Short, honest guides to how I work: the process, the role I play when a claim happens – and the practical questions from the mandate to cancellation. Product-specific guides will also be waiting on the specialist sites – here, it's about the broker model itself.
A broker isn't the insurer's agent, but your representative – here's what that looks like in practice, step by step.
Read it →Reporting the claim directly to the insurer is fastest – a broker is worth the most where the case stalls or becomes disputed.
Read it →The agent represents an insurer, the broker acts on the client's instructions – it's worth knowing which one you're talking to.
Read it →Your existing policies don't end when you switch – only the person who acts on your instructions afterwards changes.
Read it →Every insurance intermediary is in the MNB's public register. Where to search, what “active” status and the principal mean, and what counts as a warning sign.
Read it →Wrong advice, failure to forward, faulty data: under the Bit. the broker is liable and must hold liability insurance. What counts as an error and where to turn.
Read it →Broker mandate: legal basis, scope, limits – quotes, forwarding, assistance; not signing, switching or taking premium. Withdrawal, duration, data processing.
Read it →No broker sees the whole market: what the Insurance Act (Bit.) expects of independent brokers, how many insurers I work with and why one may be missing.
Read it →A proposal signed with a broker is not yet a contract. The Civil Code's 15 (60)-day rule, when the deadline starts, when cover begins, and the days in between.
Read it →The broker acts for you, not the insurer: a cancellation, claim report or beneficiary change takes effect on reaching the insurer. Deadlines and proof.
Read it →The bank may require cover for a mortgaged property, but under Fhtv. Section 14/A it must accept another insurer's equivalent policy. Conditions, clause, steps.
Read it →Switching: ending an old savings life policy for a new one. The MNB's Klassis-Z and OVB cases, sources of loss, rare justified cases and the correct procedure.
Read it →Civil Code Section 6:7 sets three conditions for e-statements to be in writing. What insurers accept – signed scan, portal, e-signature – and proof of receipt.
Read it →Tied agent, multiple agent, broker, comparison site: under the Insurance Act, who acts for whom, who pays them, who is liable for mistakes – and how to check.
Read it →Premium payment, data changes, renewal, cancellation, claims: which go through the insurer, and when to contact the broker? The dividing line, clearly.
Read it →Has a relative died whose insurance was handled by a broker? What happens to the mandate, the home, MTPL and life insurance – and what the broker can do.
Read it →Divorce: the policyholder can cancel and amend, the beneficiary designation does not update itself, home and car insurance follow ownership. All in one place.
Read it →The Financial Arbitration Board also hears consumer disputes with brokers – but not every claim. Its remit, the procedure, and why not to hand over cash.
Read it →Under the Insurance Act (Bit.), a broker acts on the client's behalf; insurer and ownership links must be disclosed. What independence means and what to ask.
Read it →Is your company asking several brokers for quotes on the same risk? Insurers typically quote to one broker only – here is how to make brokers compete.
Read it →Bring your existing policies, and in 20 minutes we'll talk through what's currently in them – and what's worth examining more closely.