Why do I need a broker when I can get cheaper online?

August 22, 2025

Why do I need a broker when I can get cheaper online?

Indeed, you could probably find cheap insurance online. However, there are several reasons to use an insurance broker instead.

5 Reasons to Use an Insurance Broker                                            

1. Insurance brokers are trained and qualified to give you advice on what insurance you need. We'll explain your options in plain English and help you make informed decisions about your insurance protection.
2. Insurance brokers work on your behalf to negotiate with a range of insurers, saving you time and money.
3. Insurance brokers do all the heavy lifting! We will research policies, compare quotes, and find the right solution for you. You can focus on running your business while we handle your insurance.
4. You won't be alone if you need to make a claim. We'll help you throughout the process, from initial notification to settlement, ensuring you get a swift and full resolution with minimum disruption to your business.
5. We know that each business is unique, and online solutions often ask you to fit in a neat little box, but one-size-fits-all policies rarely provide the right protection. We take time to understand your business and create a tailored insurance programme that fits your specific needs and budget.

We know that buying online with the promise of a cheaper price can be attractive, but it is a risk. You will need to know that you are buying the right cover for the right risks, understand the policy wording, apply the policy terms and conditions to your situation and navigate the claims process if something goes wrong. That’s why we recommend outsourcing this to an experienced and skilled insurance broker.