Why is finding the right insurance policy so complicated?
- Katelyn McKeone
- Sep 12
- 2 min read
Updated: Sep 17
You’ve probably seen the flashy ads from insurance companies and wondered: “Which one is better?" "How are they actually different?”
You might spend an hour or two trying to decipher insurance terminology, digging through contracts and potential policy terms, only to end up feeling even more confused and frustrated. Deadlines are looming, and you feel tempted to just pick one at random and be done with it.
But why is insurance so complicated?
Insurance policies are often written in a way that makes them hard for the average person to understand. They’re full of legal and technical jargon, making it easy to get lost even when you try to research your options. On top of that, many policies come with long lists of exclusions and limitations—often in fine print—that make it difficult to really understand what you're buying.
And there are so many types of insurance:
CASCO and OCTA (comprehensive and mandatory car insurance)
...and more. The list goes on!
Each type has its own rules, coverage options, and costs. With so many factors involved, it’s no wonder people often feel overwhelmed navigating the insurance maze. Even after a deep dive, you might be left with more questions than answers. And when you finally do choose a policy, you’re still not sure if it’s the best and most suitable one for your needs.
Can finding the right insurance policy be easier?
Yes, it absolutely can! You need an insurance broker who knows their way around these twists and turns. Brokers understand the insurance landscape and help people find exactly what they need—without any additional fees.
Brokers listen to your needs, compare offers, and provide support even after you’ve bought the policy.
But why are broker services free?
In today’s world, that might seem suspicious, right? But it makes sense once you know how brokers are paid.
When you buy a policy, you’re paying for both the insurance coverage and the service of managing that policy. That service fee goes to whoever issued your policy—whether it’s a representative of a specific insurance company or an independent broker.
Unlike company representatives, brokers aren’t tied to one insurer. They can compare offers from multiple companies, giving you more options and a better policy.
You don’t have to do it yourself—leave it to us!
When your current policies are about to expire and you don’t have the time to search for the best deal, don’t call just any insurance agent who will try to sell you whatever they can—call us, Perks.
We compare offers from different insurers for you, so you can spend more time with your family, hit other work goals, or simply relax. Let our experts help you find the policy that’s truly right for you.
+371 26 668 558
Or schedule a free, no obligation consultation.