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This is an article by an independent author and jml Insurance takes no responsibility for its accuracy or content

It is most important to check out the insurance products sold on line

Since 2002 I have been running insurance and self catering holiday home advertising websites as an introducer agent under the terms of the UK's FSA regulations. This means I cannot offer advice, speak to any clients or accept money on behalf of an insurance provider.

This is of course not at all bad with an automated system like at jml.insurance.co.uk, as this means people can find a product and then access the insurance company's own site for more information and even contact them direct about any concerns.

One of the problems of being an introducer affiliate is actually making sure that you receive commission for affiliate sales as some companies tracking systems are not as good as others.

I have found with certain providers we instantly get a notification of a sale, others might have this but in addition have established agents areas where you can actually see day to day activity. I have also had to monitor their payment process.

Fortunately the majority pay directly into our bank account and we receive a notification saying payment will be made on a given date. Occasionally they forget (not intentionally but by a clerical upset) and have to be reminded.

Over the years I have purchased landlords property insurance, travel insurance, car hire excess insurance and overseas property insurance using the online links. This has been a great way to see if the system works or not and it is most reassuring to know it does.

As technology has improved in most cases the tracking has improved as well. Recently I was sent a household insurance reminder and wanted to change the level of cover from the renewal date. The insurance broker told me about the revised price and I thought I would shop around.

I immediately went into the jml.insurance.co.uk site and followed the link to an insurance company that specializes in overseas property insurance, holiday and second home insurance and also main residence insurance.

I filled out their online questionnaire and within a few minutes was phoned back for the adviser to obtain further information. A quote was emailed within minutes. As this was a lot more competitive, but covered exactly what was covered by the original insurance company, I arranged car payment on line and it was all set up.

A couple of days later the policy documents arrived in the post. Prior to that I had logged into the agents area of the insurance company's website and saw the word "sale" recorded. Had nothing happened with this transaction or others that I and my family had carried out I would have been onto the company in question very quickly. I certainly don't want to be in a situation whereby the website is generating enquiries and sales for insurance companies without our receiving our commission.

Whenever I need to rent a car I usually use a car hire provider that advertises on the jmlvillas.com site and again keep any eye out for commission from these companies as well.

Philip Suter is a Director of jml Property Services; http://www.jmlproperty.co.uk a UK based company offering Insurance products on line at http://www.jml-insurance.co.uk and a holiday home advertising service and management training within the UK. He is a very experienced property consultant with over 30 years work in the Residential letting business in the UK and served on the National Council of ARLA. He is a Fellow of the National Association of Estate Agents (NAEA) and a Member of The association of Residential Letting Agents (ARLA)

August 2009 2008

The information supplied on this page is by a third party and jml Property Services do not take any responsibility to its accuracy ©Philip Suter of jmlpropertyservices 08/09

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