Question 1

What does an insurance broker actually do?

Accepted Answer

A broker works for you, not the insurer. We assess your risks, compare cover across multiple insurers (including broker-only markets), negotiate terms and pricing, arrange the policy, and manage any claims on your behalf. Think of us as your insurance department — without the salary.

Question 2

How much does it cost to use Stonewell?

Accepted Answer

In most cases, nothing extra. Brokers are typically paid a commission by the insurer, built into the premium you'd pay anyway. Where we charge a broker fee, it's disclosed clearly upfront — no surprises. Many clients find broker-arranged cover costs less than buying direct, because we compare the market.

Question 3

Why not just buy insurance online?

Accepted Answer

You can — but you're choosing from one insurer's products, reading the fine print alone, and negotiating your own claims. A broker compares multiple insurers, checks the policy actually matches your risk, and fights your corner at claim time. Same effort for you; much better position.

Question 4

How fast can I get a quote?

Accepted Answer

For common covers like public liability, business packs and commercial motor, usually the same business day — often within a couple of hours. Complex risks take a little longer because we approach multiple insurers. Start with the two-minute quote form and your broker takes it from there.

Question 5

How quickly can I get a certificate of currency?

Accepted Answer

Usually within the hour during business hours. If you're tendering for a job or need site access, tell us the deadline and we'll prioritise it.

Question 6

Can you take over my existing policies?

Accepted Answer

Yes — and you don't need to wait for renewal. We can be appointed as your broker on existing policies with a simple letter of appointment, then review everything and re-market at renewal. Switching brokers costs nothing.

Question 7

What happens when I need to make a claim?

Accepted Answer

Call us first — not the insurer. Your broker lodges the claim, manages the assessor, pushes for a fast decision and negotiates the settlement. You get updates in plain English, and if the insurer's position is unfair, we escalate. Claims advocacy is the single biggest reason to use a broker.

Question 8

Will making a claim increase my premium?

Accepted Answer

Sometimes, depending on the type and size of claim and your overall claims history. Your broker will be straight with you about the likely impact before you lodge — and at renewal, we re-market your program so one claim doesn't hold your premium hostage.

Question 9

Can I pay my premium monthly?

Accepted Answer

Yes. We arrange premium funding that spreads your annual premium into monthly instalments, keeping cash in your business. Your broker will show you the costs so you can decide if it's worthwhile.

Question 10

What if my business changes mid-year?

Accepted Answer

Tell your broker — new premises, new vehicles, new services, higher turnover. Most changes are handled with a quick mid-term adjustment, keeping your cover accurate. An uninsured change discovered at claim time is the most expensive kind.

Good questions. Straight answers.

Brokers & Fees

Quotes & Cover

Claims

Policies & Payments

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