I am a very busy person, can you fill in and sign my proposal?

No. Insurance companies require you to sign your application form.The reason is that you must disclose if you have had insurance cancelled, whether you have a criminal record and how many claims you have had in the past. In fact, before you sign an insurance policy you must disclose all relevant facts to enable the insurance company to consider your application for insurance. However, the proposal can be filled out with the assistance of the broker.

If I claim on my car insurance, do I lose my whole no claims bonus?

No. Each time you have a claim your no claims bonus can be reduced depending on the circumstances. If a third party hits your car in the rear and you have the car registration and details of the driver ad/or witnesses, your no claims bonus will not be affected. This also applies to glass cover. However, if you cause an accident or a third party hits your car and it is a hit and run, then your no claims bonus will be affected.

I am in a Group Insurance Scheme. If I have a burglary or other claim, will my premium increase at renewal?

No. Because you are part of a group, premiums are based on the total premium not one member’s premium. This means that at renewal unless a large percentage of the group claimed, there will be no individual increase in premiums.

Can I change my insurances to TIB even though I have paid for a whole year for another insurance.

TIB does not believe this is ethical. If you have paid for a whole year, at renewal TIB will quote for the business and if successful, then will take over your policies. However, if you are dissatisfied with your insurances and service, you must produce a letter of authority and the reason for cancellation, and we will then service you.

I want to purchase medical insurance. I have a hernia condition but no problems with my condition. Will it be covered?

All pre-existing conditions must be declared to the medical insurance company. They will then make a fair and considered decision whether your condition will be covered or not. Sometimes there is a 3 year waiting period for the condition to settle or sometimes it is covered immediately by paying a higher premium. This depends on the severity of the condition.