Insurance policies can be very complex, and the cheapest policy will not always meet all of your needs.

 Sometimes what is left out of a policy is as important as what is included, and the cheapest option may omit a risk that you cannot afford to carry yourself.

Interpreting the terms of the policy is part of your IBAU broker's role and you should listen to their advice as you would to a doctor or lawyer.

Although the policy cost will always be a factor, ensuring you have the right cover in place when it comes to the time to make a claim is vital, and our top priority.