Find an insurance broker

An insurance broker is an FCA-authorised intermediary who searches the insurance market on your behalf. They assess your needs, recommend suitable policies, and handle the application process. Unlike buying directly from an insurer, a broker can compare products from multiple providers.

Many insurance brokers earn commission from the insurer when you take out a policy, meaning there is no direct charge to you. Some charge a broker fee (typically £25–£100) in addition to the premium. Any fees must be disclosed before you commit.

Yes. All insurance brokers must be authorised by the Financial Conduct Authority (FCA) under insurance mediation or insurance distribution rules. This means you are protected by the Financial Ombudsman Service and FSCS if something goes wrong.

A comparison site shows prices for standard products. A broker provides personalised advice, can access policies not available online, handles complex cases (pre-existing conditions, high-value items), and advocates on your behalf at claims time.

Brokers can help with life insurance, critical illness cover, income protection, private medical insurance, home insurance, motor insurance, travel insurance, business insurance (public liability, professional indemnity, employer's liability), and specialist covers like landlord or key person insurance.

Yes. Brokers are especially useful if you have pre-existing conditions, as they know which insurers are more flexible and can negotiate terms on your behalf. They can often find cover where direct applications have been declined.