Review Time
It is rare that I ever feel the need to leave a poor review, but Brokerlink insurance is unbelievably bad and I don’t want anyone to have to go through them when there are much better options. I have used them for years for acupuncture insurance. Their forms are outdated and they never change them. It’s also impossible to get someone to get back to you. Thank goodness though, as I just got a quote from Zensurance for half of what I was paying.
Is BrokerLink MAXIMIZING COMMISSIONS and PROFITS at the expense of the policyholder?I am writing to express 2 concerns.1. PENALTIES that occur when trying to receive a better deal on car insurance.2. NON-COMPLIANCE with the Insurance Brokers of Ontario (RIBO) which state that a broker must act with "honesty and integrity" and provide the "best value" to the client"An increase of $150 dollars a month for car insurance.I expected BrokerLink to proactively source competitive rates that reflect my low-risk profile prior to my yearly renewal.I continue to drive my 2015 vehicle which I only paid $23,000 with tax. I have not had even a fender bender in more than 13 yrs, I have no tickets, no other person on my policy, and I am between the ages of 50 and 60yrs of age. My deductible is $1000 dollars, I have not moved out of my safe neighborhood and despite a minimal commute of 40km per week, my premium has increased to $392 dollars per month.I was surprised to see my premiums have increased approximately $150 per month within a 24-month period.While the representative I spoke with was professional and courteous, he was unable to provide any detailed explanation of the factors driving the increased adjustment.Unnecessary penalties due to Brokers failure in dutyDuring my conversation with the representative, it was disclosed that my monthly premium could be reduced from 392.00 to 305.00 per month; however, this reduction was made contingent upon a payment of 784 dollars!!!!!!!How is that acceptable?This suggests that a lower premium was available prior to my renewal, yet was not proactively offered.As a low-risk policyholder, I expect my broker to secure the most favorable terms as part of their standard DUE DILIGENCE.I guess my broker did not act with "honesty and integrity" to provide me with the best policy.Lessons LearnedThrough this unfortunate experience, I have learned the importance of personal advocacy.While a broker has a FIDUCIARY DUTY to provide the best market rates, I've realized that I should initiate a manual policy review at least 30 days before my policy is up for renewalI hope my experience helps other policyholders. After 15 yrs with the same brokerage, I learned that loyalty does not always equal proactive services.Please hit the thumbs up if agree to my initial statementIs BrokerLink MAXIMIZING COMMISSIONS and PROFITS at the expense of the policyholder?
I called BrokerLink looking for home insurance. The broker I dealt with was rude and condescending. She had a policy that was ready to put into effect, but I was called away for a family emergency and told her I was not able to proceed with the policy and would not be able to sign it. She still bound it, and now I continue to get emails saying I owe money for a policy I told her I could not proceed with. They are a scam and trying to prey on people's vulnerabilities
Julie has been awesome. We recently had our truck burn and was deemed unable to be salvage. Julie helped us to get in touch with the right agents for a speedy resolution. She has always been available when we needed her. Recently she worked thru her lunch hour to make sure our insurance on the new truck reached the out of town dealership quickly so there would be no delay in shipping it to us. People like Julie are hard ro find these days!
After 20 years with BrokerLink (formerly Access Insurance), the service has become terrible. Local support has been replaced by centralized staff who offer little guidance and take no accountability. Dealing with them now feels no different than talking to an online robot.Communication is poor, documents are often sent through confusing DocuSign emails that look like spam, and delays are frequently blamed on the customer.Be warned: BrokerLink records their calls but will not review those recordings with customers when problems arise. Record your own calls, because their recordings are not available to you.Extremely disappointing decline in service.
The representative who helped me, Gurpreet Kaur, was very helpful. We had just moved b/c of health issues and were juggling a ton of things. She was patient and kind. She obtained the best price for us to our great relief.. We would recommend her and Brokerlink to friends and family.
They auto renewed my policy with their parent company, Intact insurance, with a 50% increase and without using any of my criteria. Then they want like $1,000 to cancel. Seems like unethical business practices between them and the parent company. Avoid both of these horrible companies at all costs.
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