When it comes to insurance—whether it’s for your business, vehicle, property, or livelihood—it can be tempting to focus on one thing: the cheapest premium. But what looks like a deal at first glance may leave you exposed when it matters most.

At Activate Insurance Brokers, we believe insurance should be about value, protection, and peace of mind, not just the price tag. Here’s why choosing the right cover is far more important than simply chasing the lowest premium.

Not All Policies Are Created Equal

A low-cost policy might look appealing, but it often comes with reduced cover, exclusions, or higher excesses that could cost you more in the long run. The key questions are:

• What exactly does the policy cover?
• What does it exclude?
• How quickly and fairly does the insurer pay out?
• Will it protect you if the unexpected happens?

Without answers to these, a cheap premium could be a false economy.

The Risks of Underinsurance

One of the biggest dangers of prioritising price over protection is underinsurance—being covered for less than what your assets are truly worth. This can affect:

• Buildings & contents: Not accounting for full rebuild or replacement value.
• Business interruption: Insufficient time or financial limit to support full recovery.
• Liability: Too low a limit to cover serious claims or legal action.

The result? You could be left footing a large bill yourself—defeating the whole point of insurance.

Why Policy Performance Matters

Choosing a well-structured policy means knowing it will perform when you need it most. That includes:

• Responsive claims service
• Access to expert loss adjusters or legal support
• Transparent wording and clear obligations
• Support during a crisis (e.g. fire, flood, cyberattack)

Good performance isn’t just about payout—it’s also about how quickly and efficiently help is delivered when your world is turned upside down.

How Activate Insurance Brokers Adds Value

As an independent broker, we’re not tied to any single insurer. That means:

• We assess your specific risks and recommend cover that suits your business or personal needs.
• We compare policies for quality, not just cost—looking at performance, claims history, and customer satisfaction.
• We explain cover in plain English, so you know exactly what you’re buying.
• We support you throughout the policy and in the event of a claim.

We’re here to help you strike the right balance: sensible premiums and dependable protection.

Focus on Fit, Not Just Price

Think of insurance as a safety net—not a cost to avoid, but an investment in resilience. A well-constructed policy gives you the confidence to run your business or protect your home, knowing you’re covered when it counts.

So, before you say “yes” to the cheapest quote, ask yourself – Will it do the job when it really matters?