Why are we better?

Why dealing with Grenville is better than going direct.
As an independent broker, we pride ourselves in finding our customers a policy that offers the best cover for their own personal requirements at the best price available. Due to the growth of price comparison websites, people are able to quote and purchase their own insurance online.

Here are a few of the points that we feel stands us head and shoulders above of our competition from direct companies and why it pays to pay that little bit more to deal with a broker.

Excess 
The excess is the amount you have to pay for a claim to be paid out by your insurer. We will always try to keep the excess on a policy as low as possible so that in the event of a claim you are not stung for having to pay a large excess, this is usually in the region of £100. Direct companies will apply a high excess of anything from £400-£600 to keep their premium down but is the last thing you need after you have had an accident.

Administration Fees
We charge an admin fee of £15 at renewal. If you make any changes during the year, any additional premiums are issued by the insurer and we will not apply any additional fees. Direct companies will issue admin fees for any changes and they can be anything from £10 up to £100.

Cancellation Charges
If you need to cancel your insurance policy mid-way through you will usually be given a pro-rata refund. Most direct companies apply hefty cancellation charges and you may not get anything back.

Instalment Charges
We charge 9% interest for paying for your policy by monthly instalments. Direct companies will often use higher interest rates as a way of recouping money they have lost on cheaper initial premiums.

Protected no claims bonus (NCB)
If you have protected NCB we will protect it as a matter of course, this means that if you have to make a claim, your NCB will not be affected. It usually costs slightly more to protect your NCB and direct companies will often leave this off to lower the premium.

Legal Cover
All of our quotes and renewals include legal cover that will claim back your excess if you have a non-fault claim, provide you with a courtesy car and cover any legal costs that may arise.

It is important to remember that if a premium seems too good to be true, it probably is.

A much cheaper premium can often mean reductions in cover which you may not realise until you come to make a claim.