Personal Lines


Personal lines refers to Property and Casualty insurance for an individual as opposed to a business. These would include Homeowners, vehicles, cell phones, tablets, computers, laptops, TV’s, etc.

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Insure Safe Advisors

We strive to create genuine, reliable, long lasting relationships with all of our clients. We pride ourselves in providing high quality, trustworthy service; to ensure our clients’ satisfaction.



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Your policy wording clearly sets out the insured events or items that you are covered for under the specific policy. Please refer to the wording on your contract for clarity. Alternatively, your broker is always available to assist you.


The time taken to settle a claim depends on the type of claim submitted and the severity of the damage. Some claims require assessors to be appointed, but others are regarded as “fast track” claims and can be handled quite quickly.


The excess or “first amount payable” is a standard item on any insurance policy. However, it is possible in many cases to purchase an excess waiver for a small premium. Please discuss this with your broker.


Yes, as each claim affects your premium-to-loss ratio which, if high enough, will adversely affect your risk portfolio.


This answer is based on the below factors: 
•How quickly the item would need to be replaced if a claim occurred. 
• How long it would take for you to be able to afford replacing the item in case of non-insurance.
•How much the item is worth versus the premium charged for it. This is a calculation that can only be done by the client as they would need to asses this based on their individual needs and circumstances.

Strictly speaking, retail value is the highest value a motor vehicle can be insured for. From lowest to highest – trade value, market value, retail value. However, some insurers are allowing clients to insure vehicles for an ‘agreed amount’ provided that the value can be justified and thereafter accepted by the insurer. 

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No. Although many brokers charge broker fees on top of premiums, Insure Safe Advisors does not charge our clients a broker fee. Commission is paid to us out of the insurer’s pocket meaning that our clients’ premiums aren’t increased and they can therefore be offered the best rates possible.

The broker who cares about you.

At Insure Safe Advisors,        We have only one purpose:    To provide superior, innovative, quality service to all of our clients.

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