Already have IPMI? You can do better.

Most IPMI policyholders never review their broker relationship. If you're not getting proactive service, direct access, and real claims support - it's worth a conversation.

Discuss a Transfer How It Works

✅No disruption to your current coverage

✅No cost to switch broker of record

✅Policy terms remain unchanged mid-year

✅Full review at renewal to improve the policy

Why people switch

Signs your current broker isn't delivering

Most clients don't switch brokers because they're unhappy with their insurer. They switch because their broker has become invisible.

📵

No proactive contact

Your broker only contacts you at renewal - and even then, it's a templated email asking you to auto-renew. No review, no comparison, no recommendation.

🔄

Different person every time

Every call goes to a new account manager who's reading your file for the first time. No relationship continuity, no institutional memory of your situation.

🌐

Not an IPMI specialist

Your broker sells everything from car insurance to life cover. IPMI is a sideline, not a specialism - and it shows when you need nuanced advice.

🗣️

Language barriers

If English isn't your first language and your broker doesn't offer native-language service, important details can get lost at the worst possible moment.

📋

No support during claims

When you made a claim, you were pointed at a claims helpline and left to manage it alone. Your broker was nowhere to be found.

💰

Premium keeps rising unchecked

Your premium has increased significantly at renewal but your broker hasn't re-marketed your policy or explained why better alternatives weren't explored.

The process

How a broker transfer works

Transferring your broker of record is an administrative change that doesn't affect your policy, your coverage, or your premium. It takes days, not weeks.

Initial call

20-minute conversation to review your current policy, understand what's missing, and confirm a transfer makes sense.

Transfer form

We send a broker of record change letter to your insurer. You sign it. That's the administrative work done.

Albatross takes over

We become your named broker with your insurer. All future correspondence, renewals, and claims go through us.

Renewal review

At your next renewal, we conduct a full market review and provide a written recommendation on whether to stay or switch insurer.

Common questions

Broker transfer FAQs

The most common questions from clients considering a switch.

Will my coverage be affected if I switch broker? +

No. A broker of record change is an administrative update - it changes who manages the policy on your behalf, not the policy itself. Your coverage, premium, and terms remain exactly as they were.

Can I switch broker mid-policy year? +

Yes. A broker of record transfer can happen at any point during the policy year. There's no requirement to wait for renewal, though the full policy review naturally happens at renewal time.

Does it cost anything to switch? +

No. There is no fee to change your broker of record. Your insurer transfers the managing broker relationship, and future commission is paid to Albatross Healthcare rather than your previous broker. Your premium is unaffected.

Do I need to notify my current broker? +

You don't need to inform your current broker in advance, though you may choose to. The insurer will notify them once the transfer letter is processed. We handle all the administration.

What if I'm unhappy with my current insurer as well? +

We address that at your next renewal. Once we're your broker of record, we'll conduct a full market review and give you a written recommendation. If a different insurer better serves your needs, we'll handle the switch then.

Is this available for family policies? +

Yes. We handle broker transfers for individual, family, and multi-member policies. If you have a corporate or group IPMI arrangement, contact us directly to discuss the appropriate process.

Ready to transfer?

Start with a conversation

One call to review your current position and understand whether a transfer makes sense. No obligation, and if your current setup is fine, we'll tell you that too.

Arrange Consultation