Every Polis Re client, wherever they are, has a personal manager they can contact at any time on all matters of cooperation. There is no doubt that this is a necessity: it is very important to be able to reach a trusted specialist who will protect your interests.
A personal manager is a highly professional, experienced Polis Re employee who handles all of the client's affairs. With your personal manager you can:
- get advice on all services;
- ask any questions you have;
- resolve all situations that arise in the course of insurance;
- receive advice and support when an insured event occurs.
The client can be sure of a guaranteed high level of service, and any problem will be solved as quickly as possible.
Why you need a personal insurance manager
Insurance seems simple only until the first serious question. The insurance rules of different companies differ in wording, the list of exclusions, the size of the deductible and the payment procedure. When there are several policies — for example, motor hull insurance (CASCO), apartment insurance, a medical programme and a travel policy for trips abroad — it becomes hard to keep all the deadlines and terms in your head. The personal manager takes this work on: remembers the client's history, knows their objects and risks, reminds them about renewals and helps them avoid missing important details.
The main advantage is a single point of contact. The client does not have to explain the situation from scratch to different employees each time, look for the right department or sort through correspondence. The manager knows which contracts are in force, what changes have been made and what agreements were reached earlier.
What the manager does at each stage
Analysis of risks and needs
Work begins with a conversation about what exactly needs to be protected: a car, housing, health, liability to third parties, business property. The manager clarifies which risks are truly significant for the client and which are not worth overpaying for, and helps determine a reasonable sum insured.
Selection and comparison of offers
On the basis of the information gathered, the manager requests offers from insurance companies and compares them not only by price but also by content: what is covered, what limits are set, whether there is a deductible, and how claims settlement is organized. Information about the insurers you can work with is conveniently found in the insurance companies section.
Drawing up the contract
The manager checks that the data in the application and the policy is correct, explains the terms in plain language and draws attention to the clauses that most often become the cause of disputes. An error in the data on the insured object or driver can lead to problems at the time of payment, so this stage is especially important.
Support during the term of the contract
During the term of the contract the client's circumstances may change: buying a new car, moving, renovation, a change in family composition or staff. The manager will advise whether the insurer needs to be informed, whether the contract should be amended or whether additional cover should be arranged.
Help when an insured event occurs
The most critical moment is the occurrence of an insured event. The manager will advise what to do first, within what time to notify the insurer, which documents to collect and how to prepare them correctly. If disagreements arise over the amount or timing of the payment, the manager helps to understand the insurance company's position and to defend the client's interests.
What the manager looks at in the contract
- Sum insured and limits. Whether they are sufficient for real compensation of damage, and whether there are separate limits by type of risk.
- Deductible. What part of the loss remains with the client and how the deductible affects the cost of the policy.
- Exclusions. Which events and circumstances are not considered insured events.
- Territory and term. Where and when the cover applies.
- Notification procedure. Within what time and by what means an event must be reported.
- Documents for payment. Which certificates and confirmations will be required.
Who a personal manager is especially useful for
- families with several policies for different objects and risks;
- car owners who insure both compulsory liability and CASCO;
- entrepreneurs and companies that need protection for property, liability and employees;
- those encountering insurance for the first time who want to understand the terms without unnecessary jargon.
An overview of the areas in which you can get help is collected in the types of insurance section.
How to prepare for the first conversation
To make the consultation substantive, it is useful to gather beforehand information about the object of insurance, copies of current policies (if any) and information about past insured events, and to formulate what matters more to you: the lowest cost, the broadest possible cover or a balance between them. The more precise the initial data, the more precise the selection will be.
Frequently asked questions
Can a manager guarantee a payment?
The decision on payment is made by the insurance company on the basis of the contract and the documents submitted. The manager's task is to help you fulfil all the requirements of the contract correctly, collect the documents and defend the client's interests during the review of the case.
Do I need to tell the manager about changes?
Yes. Any significant changes concerning the insured object or risk are best discussed with the manager right away: they will advise whether the insurer needs to be notified.
How can I contact my manager?
Contacts are provided when cooperation begins. If you are not yet our client, leave a request and a specialist will contact you.
If you want to discuss your situation with a specialist, you can get a consultation.