When you contact an insurance broker you will be given impartial advice based on your individual circumstances. They will ask about your requirements and find you the best policy, from the insurers they work with, to match your needs, both on price and cover.
A broker could get you a more suitable deal to meet your individual circumstances than you might find for yourself when buying insurance direct – for example:
A broker can help where you might be unsure of what cover you require and their expert knowledge might point out areas of cover you haven’t considered (and that may not be available from a direct insurer).
Direct policies are often written for a wide market and can be difficult to tailor to more unusual circumstances, such as multiple properties or vehicles; unusual construction or location; high value or fine art items; etc. Policies more suitable for these circumstances may only available through a broker.
Insurance brokers are all regulated by the Financial Conduct Authority. Look out for brokers who are members of trade bodies like the British Insurance Brokers' Association, as they must conform to their standards and practices.