A 20-minute consultation is worth the most when it runs both ways: I ask about your situation – and you should feel free to ask me things too. This list exists so the good questions don't occur to you only on the way home. Bring it along – or just pick and choose from it.
- 10 questions across four themes: your own situation, the product, the process, and the broker's role.
- There's no bad question – uncertainty needs to be used up before you sign, not after.
- You can tell a good adviser because they welcome questions – dodging them is a telling sign.
About your own situation (1–3)
1. "Based on the situation I've described, what are my three biggest legal exposures?" – The answer should be specific, with examples drawn from your own life. 2. "Which exposure is NOT worth covering right now?" – An honest adviser can answer this one too; someone who wants to sell you everything isn't giving advice. 3. "What is legal protection definitely not going to solve for me?" – Knowing the boundaries is your protection against disappointment.
About the product (4–6)
4. "What waiting periods would apply to me, module by module?" – And what that means for when my protection actually starts. 5. "What limit is reasonable for my type of case – and what happens if it runs out?" – The limit logic, tailored to you. 6. "How would choice of lawyer work for me – could I choose my own lawyer?" – If you have a lawyer you trust, this is a key question.
About the process (7–8)
7. "What exactly happens if a dispute comes up for me – who do I call first, and what's the process?" – The reporting route, clarified in advance. 8. "What happens if the insurer turns my case down – who's on my side?" – This is where the broker's real role becomes clear.
About the broker (9–10)
9. "How many insurers' offers will you compare, and on what basis?" – This answer is measurable: either a comparison table exists, or it doesn't. 10. "What does your work cost me, and who pays for it?" – The clear answer: it's free for the client, and the insurer pays the broker's remuneration; you can check this at any time in the MNB register. You can ask me these questions any time – in fact, I invite you to. A well-informed client isn't a harder client, they're a better decision-maker.
Good to know: our culture around asking questions
A personal note to close the list. In Hungary, many people still find it uncomfortable to ask questions in financial conversations – as if asking were an admission of not understanding, or rude towards the professional. That instinct comes at a cost: a question left unasked gets built into the contract as unsigned uncertainty, and it typically resurfaces at the worst possible moment. With me, asking questions isn't merely tolerated, it's actively wanted – I say this from experience: the best contracts come from the clients who ask the most, because every question clears up one more detail. There's no such thing as a silly question; the ones that start with "this is probably obvious, but…" tend to be the most important. And the same yardstick works in reverse: it's worth taking out insurance – anywhere – with whoever answers your questions patiently and without dodging. An informed decision isn't a luxury: it should be standard equipment.
The list is obviously not a mandatory script – if you only bring two questions from it, make them number 1 and number 10: the one about exposure, and the one about remuneration. The rest will come up along the way regardless – that's just how a good conversation works.
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