By Bryan Tucker (with inspiration from ClearlySurely.com) posted September 20 2019
You met up with the agent or financial adviser. He was well dressed and courteous. Listened attentively and seemed to understand your every need. Rolled out the products effortlessly and walked you through every detail with patience and professionalism.
3 meetings later the wooing was all done – you signed the documents and hoped for it to be a lasting relationship. But you hardly hear from him again.
The frequency of contact drops. He doesn’t check in on you as often. Not that you mind, since he is busy with other clients. But one day you run into some bad luck and need help to make a potential claim.
The calls go unanswered.
Step 2: Decide if you still want to retain his service
Continuing with the marriage analogy here, it is at this point when you decide whether you want to carry on with the marriage or initiate a divorce?
There could be a valid reason that he didn’t attend to you immediately. He could have been on an extended holiday, or having personal issues – or just plain busy.
If he eventually does come around and provides you with the level of service that you think you deserve, then you might decide to just forget the matter.
Or you just want a clean break and decide that you want a better agent instead. Then go on to the next step.
Step 3: Contact the Insurance company – and request for a change of agent
Its as simple as calling / emailing the respective insurer with the following lines:
"I have policies XXX / YYY / ZZZ with your company. I would like to change my servicing adviser, thanks"
Let the insurer take care of it, and you can just sit back. While you are at it, you could also carry on with the service requests that you needed your agent to help with.
Some people may counter:
"But I bought multiple policies with different companies as my agent was an independent broker?"
If that's the case give Vesta a call on 0800 283 782 and we can suggest another suitable adviser in your area. If you're happy to deal with an adviser over the phone or by email Vesta can step in if need be.
Step 4. DIY Is an option too
If you really need to get something done urgently, then it is also possible to roll up your sleeves and wade right in yourself.
These days, there is a noticeable shift towards customer-centricity and simplicity, as far as insurers are concerned. Their sites have been visually refreshed, and self service is also a viable option.
Calling the insurance company's freephone will also provide most of the help you need.
It’s not the end of the world, really.
Despite the gripes that people make (popularized with social media) about agents shirking from their responsibilities, it is a straight forward issue to resolve.
Personally, we would chalk it up to a learning experience on how to better screen people (agents) next time, or look upon it as a chance to improve our own insurance knowledge (which is never a bad thing).
The bottom line is, there will always be someone else out there that is willing to service your policy.
So the next time you uncover a secret agent, just take pride in the knowledge that you are skilled in the art of counter espionage as well.
Now pass me my Beretta M9, I have “matters” to settle. Cue the James Bond intro music please.