How to choose an insurer?

Choosing the right insurer is not an easy decision: there are many insurance companies on the market offering different types of policies. Insurance companies compete by offering the best conditions and the lowest prices, often enriching their offers with additional services that other insurers do not have.

Among the thousands of proposals, it is difficult to find the right solution for you, but you can make it easier: you just need to know what to look for when choosing an insurer. It is worth remembering that insurance (regardless of its type) is an extremely important document: its task is to protect the life, health and property of the insured and his relatives (the policy is also a guarantee of payment of cash benefits if circumstances arise, for example, an accident occurs) , fire or death). The insurer determines the amount of possible compensation, the total cost of the policy, the time and scope of its validity, so it is worth considering choosing a suitable insurance company for a longer period. What to look for when choosing an insurance policy?

Think about what you expect

Before choosing an insurer, it is worth considering what we expect from insurance: do we need extended protection or is its basic option enough. Before going to the insurer, let's try to roughly estimate how much premium we can pay and how much insurance is within our capabilities. Remember that the policy is intended primarily for us and our loved ones: it is insurance against random events, so you should think carefully about buying a policy and choose the one whose conditions and price suit you the most.

Check your insurer

Before signing a contract with an insurer, you should check whether it is trustworthy: information about insurance companies can be found on the Internet. It is worth visiting the forums to find out if other customers are satisfied with the services of this or that insurance company and how they evaluate its performance. When searching for information about an insurer, pay attention to how long the company has been on the market, whether it has experience in insuring individuals and whether it has knowledge of the Polish insurance market.

Introduction to insurance

If we are considering choosing a suitable insurer, we must have at least a basic knowledge of insurance. It is worth knowing what types of policies are available on the market, how the total sum insured differs from the sum insured, what is the importance of the premium, whether the car policy is transferred to a new owner when the car is sold, etc. This knowledge will allow us to decide what type of insurance will be for us the most suitable, and at the same time, it will protect us from buying seemingly attractive insurance that will not be profitable for us.

Please read the general terms and conditions of insurance carefully.

In the General Insurance Conditions (GTC) we will find information on the extent of the insurer's liability and exclusions from liability, the scope of insurance coverage, the situations in which we will receive compensation, as well as information on the cost of the policy - the premium, the total amount, the amount insured and the duration of the policy . Having familiarized ourselves with the GTC, we will avoid unpleasant surprises.

Comparison of offers is the key to success

The most important thing when choosing a good insurer is a comparison of offers: depending on the chosen insurance company, policies differ not only in price, but also in terms and coverage. It is worth comparing the offers of various insurers - this will allow you to choose the right one for us. Comparison of offers will be facilitated by specially created tools: Internet comparisons, thanks to which we will get acquainted with the offers of many insurers and see which one is the most profitable. This comparison will be helped by Pado24, an online tool for comparing offers. On www.pado24.pl you will find loan and insurance offers, electricity and Internet tariffs, as well as electronics, flights, hotels and tours. We compare different offers for you to help you choose the best one. Thanks to us, you will find out which loan is the cheapest, which electricity tariff will be the most profitable for you and where it is cheapest to rent a car. We'll tell you which laptop to buy and where to find cheap third party liability insurance. The choice will be facilitated by the calculators on the site, which will select the best offers according to the specified criteria. On Pado24 you choose what you are interested in: the offers are divided into categories, so you can easily and quickly find what you are looking for. Thanks to Pado24, you can compare the offers available on the market in a few minutes and choose the best one for you. Come, compare and save with Pado24.