About Do I need to pay anything when I first contact you?

Many people hesitate to reach out to an insurance advisory because they worry about hidden costs or upfront charges. At Insurance Nivaran, transparency is a core value. The first consultation is completely free — there is no obligation and no payment required when you initially contact us. We provide a clear evaluation and explain any potential next steps before any fees are discussed.

What is Do I need to pay anything when I first contact you??

In plain terms: you do not pay anything when you first contact Insurance Nivaran. The free initial consultation includes a review of your policy documents, an assessment of your issue, and an explanation of possible solutions. A service fee is only charged if you decide to engage our paid services after receiving our evaluation and proposal.

How Insurance Nivaran Helps

Our approach is straightforward and client-focused. Here’s how we handle new enquiries:

• Initial contact: You reach out by phone, form, or email — free of charge.
• Document review: We request relevant policy documents and details to understand your situation.
• Free consultation: We provide an evaluation, explain options, and outline potential outcomes.
• Decision point: If you choose to move forward, we present a transparent service fee and engagement terms.
• Implementation: Upon agreement, we take action — negotiation, claim assistance, or policy amendment.

Case Study

Mrs. Sharma contacted Insurance Nivaran worried that her motor claim was unfairly rejected. She sent policy documents and the insurer’s rejection letter. During the free consultation our advisor identified a misinterpretation of coverage limits. We explained her options and estimated potential recoveries. Mrs. Sharma chose to retain our services; we agreed a fixed service fee before proceeding. Within six weeks we negotiated a settlement that covered repairs and partial compensation for downtime — far exceeding the cost she would have paid to fix the car out of pocket.

Why Choose Insurance Nivaran?

Choosing an insurance advisor is about trust, expertise, and clear communication. Insurance Nivaran offers:

• Transparent pricing: No surprise charges at first contact; fees are explained before engagement.
• Experienced team: Specialists with proven success across health, motor, property, and travel insurance matters.
• Client-first process: Free initial evaluation so you can decide without pressure.
• Documented outcomes: Track record of recovering claims and improving policy outcomes for clients.

Tips to Prepare for Your Free Consultation

To make the most of your free evaluation:

• Gather your policy documents, claim numbers, and any correspondence with the insurer.
• Make a brief timeline of events and note key dates (purchase, incident, claim submission, responses).
• List your main questions and desired outcomes — settlement, policy correction, or advice.

Common Scenarios Where Fees Apply

While the initial consultation is free, fees apply if you instruct us to act on your behalf. Common paid engagements include:

• Negotiating or appealing a rejected claim.
• Preparing legal or formal complaint submissions.
• Ongoing policy management or claims advocacy.

What to Expect After the Free Evaluation

If you decide to proceed, we will provide a written engagement proposal outlining the scope, timeline, and exact fees. Work begins only after you accept the proposal. We maintain regular updates and provide clear invoices aligned with the agreed terms.

How to Decide to Move Forward

Use the free consultation to assess the value of professional assistance. Consider the potential recovery, time saved, and stress reduction. If the expected benefit outweighs the disclosed service fee, engaging Insurance Nivaran can be a cost-effective choice.

FAQ

Q: Is the initial consultation really free? A: Yes — the first consultation, including a review and recommendations, is free.

Q: When will I be told about fees? A: We disclose fees only if you ask us to act after the free evaluation; you will receive a written proposal first.

Q: Are there any hidden costs? A: No. All fees and expenses are presented transparently before work begins.

Q: Can I just get advice and not hire you? A: Absolutely — many clients use the free consultation for guidance and then decide independently.

Q: How long does the free evaluation take? A: Typically 30–60 minutes, depending on document complexity and the issue.