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The PII Hub (

In the world of professional indemnity insurance, there are a plethora of sites on the internet that promise to offer just such a facility. However, peeling back the layers often reveals a policy that is not ideally suited to the user, or worse still, turns out to not be valid (often discovered too late) as it has not been adequately explained or taken out for the right purposes. For this reason, presents a refreshing change.

It may not be aesthetically pleasing at first glance, but this is a double edged sword; it allows the user to get straight to the point with only a small number of sub pages, meaning no trawling through endless categories just to find contact information or legal disclaimers. This is a no nonsense channel for getting what the user needs. A small number of radio buttons at the top of the page allow the user to find out just what indemnity insurance and its variants are all about, and a rather vague 'More Disasters' button can take the user to another wealth of service providers.

Contact options are prominently displayed at the top of the page, and for those not wanting to ring a potentially costly 0845 number, a callback option is also clearly visible, and, unlike many competitors, actually functional.

Disclaimers and terms and conditions leave the user in no doubt as to what piihub as intended as; it's not a portal to buy indemnity insurance directly, and acts as an opportunity to liaise with an insurance broker working in compliance with the Financial Conduct Authority (ensuring a minimum standard for any potential customer.) These aren't hidden behind jargon or surreptitiously placed in sub menus; it's on the front page and every legal disclaimer from thereon. But perhaps the best selling point is the emphasis on a personal service for anyone looking for indemnity insurance; piihub stresses that any user will benefit from a personal broker service as opposed to a call centre, negating the need to worry about being bombarded with calls.

It may not be the most 'all singing, all dancing' of websites, and there's certainly no ability to log on and buy the insurance straight away; anyone clicking through will need to have a phone or email conversation as a result. However, it gives a great overall introduction to the company, and leaves the user in no doubt as to what they're buying.

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