Frequently Asked Questions
All of the standard / common questions we receive from prospective clients are answered below.
What is Insurance?
“Insurance” is the payment of a small predictable amount of money (“premium”) to protect against a larger unpredictable expense (“loss/claim”). This transfers the risk from you to the insurance company for a fee
Why use a broker?
Fusion Cover are Independent and offer products from more than one insurer, to ensure that their clients get the best deal. Insurance policies range from motor insurance, required by law to drive a vehicle in the UK, to public, employers’ or product liability insurance, which pays compensation on the basis of the assessment of legal liability for damage, injury or harm.
Can I get immediate cover over the phone?
Following a simple quotation process, if you are eligible for our motor trade road risks insurance, we can instantly arrange cover for you, subject to you paying at least a deposit premium on a credit or debit card. It is also possible for you to fill in your details into our make an appointment page and one of our advisors will contact you at your preferred time to go through quotes to suit your needs; we can then arrange immediate cover if required. Traders combined quotations are more complex and require us to search the insurance market for the best deal to give you cover for everything you need at a sensible price. Therefore, it can take some time to deliver a traders combined quotation – this is standard across motor trade insurance brokers.
What Vehicles can be covered?
A wide range of vehicles can be covered, but more unusual, expensive or imported vehicles, require specialist covers which may increase your premium. Restrictive covers may also apply in these instances. Dependent on the age, driving and claims experience of a driver, there may be limitations applied on the policy to the vehicles that a named individual can drive.
Can I pay my premiums by direct debit?
Fusion Cover Insurance Brokers have negotiated very competitive rates with a leading credit provider allowing you to pay monthly over 12, 10, 6 or 3 months to suit you.
Is there a charge when paying by direct debit?
There is a standard charge when paying by direct debit but this depends on total premiums and chosen payment period.
Who will administer my policies?
Fusion Cover Insurance Brokers are very proud of our personal service. As our client, you will be given the name of your personal account handler, who will deal with any policy queries or amendments you might have. In addition to this, we offer visits from our account executives who will go through your policy in-depth to ensure you have sufficient cover at the best cost