Common Insurance Pitfalls To Avoid When Working with a Broker

The decision to work with a Perth insurance broker can bring in lots of benefits. Their services are often overlooked but they can be the difference between spending a lot on insurance that you won’t be able to use versus affordable insurance that covers your needs. It is therefore a crucial decision you would have to make.

If you choose not to hire insurance brokers at Oracle Group, you could be at risk at committing these common pitfalls:

Buying the Minimum Coverage

This is a typical choice for consumers who are looking to save money. Most consumers think that as long as they buy insurance that they would be instantly covered. However, this could be highly risky as you could end up not getting the services you need.

A Perth insurance broker can provide professional insight when choosing an insurance coverage, no matter what the type of insurance is. In fact, you will have a consultation with your insurance broker about the type of coverage you want. You will be able to discuss your needs versus the type of benefits you wish to get. They will come up with a compromise with the two to ensure that you can get what you need and want. At the same time, they will also factor in your budget so you can still afford it without compromising on the benefits you are supposed to get.

Thinking You’re Healthy Enough

This particular pitfall tackles specifically about health insurance. When you refuse to buy health insurance because you are healthy now, you are depriving yourself of the opportunity to get medical services when you need it most. Health insurance is designed to provide medical coverage when you need health services, but you cannot simply base it on what you feel now or your state of health at the moment. Illnesses could happen even when you do your best to stay healthy. And with the cost of medical services continually on the rise, you want to make sure you are covered.

Not Knowing About Policy Exclusions

This is when the services of a Perth insurance broker is most useful. Some consumers do not read the fine print of their insurance policy. Therefore, they simply assume that they are covered for certain situations when they are in for a shock. Consult a broker to study your policy before you sign it. This will help ensure that the exclusions won’t impact your overall benefits and the services you wish to enjoy later.

Assuming You Don’t Need It

This is the biggest and most common pitfall that consumers make. You should not assume this idea or else you stand to lose more than you can afford. Whether it is your home, health or protecting your family from illnesses, insurance can provide you with added peace of mind for the unexpected. There is no way to protect when you or anyone in the family could get sick, or lose your home or properties to a fire, protecting yourself from loss is therefore a vital step to take.

You can find out more about the Oracle Group Insurance services at to make the most of your insurance coverage and save money at the same time.

What Jobs Are Included in a Skoda Express Service

Skoda express service is one of the three levels of routine service that your Skoda must undergo to ensure longevity and roadworthiness. The other two is full service and major service.

skoda express service

Minor servicing jobs must mean minor inconvenience to car owners like you. Most of the time, they take the least amount of work, thus, the least amount of time.

Never experienced such a minor service from your local mechanic? You could be conned into believing everything needs time to get fixed.

Knowledge is power as they say. Find out what goes into minor servicing jobs.

What does a Skoda express service include?

Oil change – engine oil needs to be drained and replaced with clean oil to maintain engine efficiency.

Filter change – oil filter of your Skoda must be replaced to ensure a smooth-running engine. Skoda Yeti service that involves replacement of the filters should take less than an hour.

Fluid change – brake, clutch, coolant, power steering, transmission, and other fluids are flushed and changed.

Battery test – checks if your battery holds a charge and remains functional until your next service.

Full safety inspection – checks if there is anything that needs fixing or replacement now or in the near future.

Filter inspection – air, fuel, and pollen filters are checked to see if they need replacement.

Wiper blades check – to ensure that they are in good working condition and don’t need to be replaced.

A minor car service will also check the transfer case, diff oil, and gearbox oil.

The next time you ask your mechanic what the problem is, refer to the list to identify if it’s a minor service or not. If it is, you should be in and out of the garage in no time.

Advantages of Minor Car Service

It may be minor but it covers a lot of territories. So if you schedule your vehicle for regular servicing, you are assured of driving safety.

It also prevents problems from happening at the most inopportune time which will not only cost you money but also time. If your car breaks down when you need to be somewhere on time, your problems could add up.

Moreover, regular minor servicing spares you from costly repair jobs in the future. Instead of a minor check on filters and other parts, for example, you may need to have them all replaced if you overlook regular servicing.

What about the servicing cost?

Skoda capped price service

With this financing option, you can pay for Bowen Hills car service or in other locations through a single payment when you buy a Skoda or through regular monthly direct debits. The fixed price is for service between 3 and 5 years or, in some cases, based on mileage. Capped-price standard servicing is good for 15,000km or 12-month intervals.

Have your Skoda serviced at Brisbane City ŚKODA

They carry out minor, full, and major car servicing jobs at your convenience. With their Express and Early Bird Check-In option, you can drop off your car any time you like for a Skoda express service and leave it to the capable hands of their team.

Simply fill out the request form online, drop your car and form in the garage, and then go on your merry way. Once servicing is done, you can pick up your Skoda anytime. For more details, visit