As comparison sites do, insurance brokers get paid by the insurance companies, not you. On top of this, they can give you more information on the different insurers, for free, that cannot be found on an insurance site.

A lot of insurers will not advertise all the options for insurance they offer. A broker can also help you work out all the parts of a policy you require and what things the insurers provide that might not be common knowledge.

A broker will ask about your circumstances to find you the best possible policy. They will also be able to tell you what you need in relation to cover you may already have and stop any potential overlap in the policy. Making sure that your product is more specific can also mean a higher chance of a flexible lower price.

You might not see policies that cover your specific needs on comparison sites. For example, this is often the case with income protection or critical illness insurance, as they need to be tailored to your needs. You also will not find a unique or bespoke cover on there, so if you want to insure something special, then a broker will know where to look.

If you need to make a claim, your broker might be able to speak to the loss adjusters and claims department to save you time and hassle.