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It is relevent as ND only use Ensign

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Brokers couldnt survive if they used just one company.

Therefore they have access to many insurers - each one of those insurers targets a specific market and rates accordingly.

The brokers who are offering the most favourable rates for us (high risk cars, younger drivers, mods etc...) will most likely have 'delegated authority' enabling them to effectively write premiums as they see fit (within reason as they are accountable to the insurers). Companies such as Ensign, Highway, Equity etc... have agreements with certain brokers, ND, Greenlight, AFlux etc... and allow them this delegated authority, however each agreement will be different. ND may have it with Ensign for example but perhaps Greenlight does not (although they may have access to standard Ensign policies). Flux may have it with Equity but ND may not etc etc...

With regard to bad experiences with insurers each will have upset somebody somewhere along the line, usually administrative, waiting long time periods etc... but that is just the nature of the beast, banks are no different and we have all had to wait too long for a meal to arrive in a restaurant or waited for a bus that didnt come when it should have - inevitable and inconvenient but part of the process unfortunately.

As long as you are honest when disclosing facts at inception then when it does go wrong you should end up with the right result - whoever your insurer is - you may not feel it fair, but that doesnt make it wrong.

Dealt with Ensign, Equity, Highway etc etc for many years in the past, they were around along time before I was and will no doubt be around along time after - my point is dont be concerened about them - the inconveniences only arise due the 'human' side, inexperience, low wages and disinterest - it is only a job to them at the end of the day and you are only 1 of 000's they have to deal with.

To summise -

I am becoming my dad!!!

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Couldn't of put it better myself

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With regard to bad experiences with insurers each will have upset somebody somewhere along the line, usually administrative, waiting long time periods etc... but that is just the nature of the beast, banks are no different and we have all had to wait too long for a meal to arrive in a restaurant or waited for a bus that didnt come when it should have - inevitable and inconvenient but part of the process unfortunately.

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