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Marina Insurance
If you need to buy Marina Insurance you may well have been given a number of different policy wordings from a variety of companies, this is a guide is to help you decide what sort of policy would suit you more and give you the exact cover you need. You have to look for value for money the cheapest is not always the best. A. cheaper policy may end up costing you a lot more money in the long run, should you have to make a claim. Your needs will be different to everyone else`s and only you can decide if wider cover is important to you. It is essential though, to understand what is being offered to you, before being able to make an informed decision and signing up for any Marina Insurance .There are a few things to think over before you decide .Firstly there is third Party Liability you should not consider going anywhere on the water without liability insurance, which will cover you if you cause damage to another boat or cause injury to any person. The industry standard provides a limit of �2,000,000 and should be sufficient in the UK. Comprehensive Cover will provide cover for your boat against accidental damage, theft, fire and vandalism which is a great risk to any boat. Lastly do not forget to insure for any laid up cover some companies may insist it is laid ashore between certain dates.

Once the insurance salesman visited you, then you visited his office. Now you pick up your phone or click your mouse. Does the Internet herald the end of the high street insurance broker in Britain? When I was a lad, some 25 years ago, the Insurance Company called to your door every month to collect your life insurance premium. My recollection is of a drab suited man having to run the gauntlet of neighbourhood dogs rather like the postman.

Then through the eighties more and more people found their wages being deposited directly into hastily set up bank accounts; this led to the standing order for paying all sorts of regular bills including insurances and heralded the demise of the door to door representative. An economy quickly realised by big insurance companies in the UK.

Then during the nineties big firms latched on to the idea of ?direct? which is a handy abbreviation for cutting out the middle man. Just watch tv or listen to the radio toady and you are sure to observe this direct and that direct. The purpose of this in the world of insurance is to cut out the traditional high street broker and the percentage paid to them wherever possible.

The advent of the Internet and its increasing usage in most homes up and down Britain has accelerated the ?direct? phenomenon. The big boys have quickly realised that websites are cheap to build and in addition there is a small army of privately owned websites on the World Wild Web that are more than happy to promote their insurance products for a commission ? this commission usually being a lot less than a typical shop front broker is currently paid.

This all sounds very good???for the PLC that is. From the consumer?s point of view the casualty in all this is usually the level and quality of service. It?s fine when you are arranging your policy on the phone or on the net and you can even have the privilege of paying there and then by credit card. What will the ?direct? experience be like when it comes to making ac claim? Just how ?direct? is a call-centre located in India? While you the consumer are no doubt seeing some of the savings by skipping the broker don?t think for one minute that all the savings are being passed on.

So in ten years time will the high street broker be a thing of the past?