What are the advantages of having an insurance agent? | 2026 Guide
What nobody explains when you take out insurance
There are two very different moments in the life of an insurance policy. The first is when you arrange it: everything flows and there seems to be a willingness to help. The second is when you genuinely need it: when there is a claim, an incident or cover that does not work as you expected. That is when a very different story begins.
The difference between experiencing either situation with peace of mind has a name: an insurance agent.
An insurance agent is a registered professional who advises and supports you before, during and after arranging cover. Their service does not end when you sign.
The moment you realise what you are missing
Many people buy insurance online and everything seems fine until they need to use the policy. They discover that the service number sends them to an automated menu, then to a call centre that does not know their case.
An insurance agent exists precisely to help prevent that. They are a regulated professional registered with the DGSFP who works to make sure your insurance is the cover you really need and that it works when you need it.
The seven real advantages of having an insurance agent
1. Personal advice with official DGSFP registration: a registered insurance agent analyses your actual situation and recommends what fits your profile and needs.
2. Preventive advice: they help avoid costly mistakes before you arrange cover by reviewing waiting periods, limits and pre-existing conditions that often go unnoticed.
3. Translating technical language: they explain what your policy says in terms that make sense in your real life.
4. Claims support without telephone mazes: when there is a claim, someone already knows who you are and what you bought. No 40-minute waits.
5. Real savings and duplicate-cover checks: many clients pay for repeated cover, such as death cover in several policies or through banks. An agent can detect this in the first review.
6. Ongoing after-sales service: if your family situation changes or you have questions about a letter from the insurer, you have someone to contact directly.
7. Formal support in disputes: if there is a serious disagreement about an assessment or cover, the agent can represent you with technical knowledge before the insurer.
Real situations where we make a difference
• We stop you having to give up when a busy call centre is not helping, by managing the issue for you.
• We identify duplicate policies that have been charging you unnecessarily for years.
• We guide you transparently so you understand what you are buying and why.
• We clarify what your policy covers before a claim occurs, avoiding last-minute surprises.
Why service matters more than the initial price
The price is visible from the start, but value is felt over time. Insurance that is poorly managed when you need it is not really protection; it is only a monthly payment.
The difference between following an automated maze and having a person who knows your name is what defines genuine peace of mind.
Frequently asked questions
We answer your questions on this topic
A regulated professional registered with the DGSFP whose role is to advise the client and manage their interests both when arranging cover and if a claim occurs.
There is usually no direct cost for the client. The agent receives commissions from insurers, with advice and incident management included in their usual service.
You call your agent. They handle communication with the insurer, follow the case and help resolve the problem, saving you paperwork and telephone waits.
Yes. An agent can review all your active policies to identify duplicate cover, gaps or unnecessary payments and organise your protection more efficiently.
Yes. Many agents manage processes online. The difference is that an experienced person is there to answer for you, rather than an automated portal without context.
They should be registered with the Directorate-General for Insurance (DGSFP). A trustworthy agent reviews what you already have before suggesting changes and never pressures you in the first conversation.
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