Car Insurance Brokers
A car insurance broker is an intermediary who specialises
exclusively in selling car insurance. All brokers, agents,
online intermediaries or the traditional high street
shop must be authorised and regulated by the Financial
Brokers typically have access to a range of insurance
policies from a variety of insurance companies who underwrite
the policies, and unlike the recent Internet only offerings
have been comparing car insurance quotes for years.
This allows brokers to collect details of cover once
and provide a quote from the company offering the best
or cheapest car insurance cover for an insured's individual
The number of agencies a broker will hold with insurance
companies varies by broker, however some of the larger
brokers may be able to provide comparative quotes from
thirty or more insurers with much more preferable rates.
Apart from providing car insurance quotes, a broker
will collect premiums, provide telephone support and
advice, issue cover notes and other policy documents,
deal with claims and policy renewals.
If you require specialist or tailored insurance cover
because your circumstances or car doesn't 'fit' the
standard model used by many online providers, a broker
will have access to markets and underwriters which will
cover all drivers circumstances.
In summary, Car Insurance Brokers provide a personal
service that you will not usually get from other outlets.
Going to a broker should also save you time and money
as they will do the legwork of finding cheap car insurance
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For the latest deal as seen on televison, visit specialist online schemes comparison site
Car Insurance Televison
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Direct Insurance Companies
Many insurance companies sell car insurance direct to
the public by using call centres. Until the advent of
call centres in the early nineties, a high street broker
was the only way a driver could obtain car insurance.
Going direct to an insurance company
may provide cheaper car insurance for the 'target market'
of a particular company, however one size doesn't fit
all and you may need to labouriously compare many different
direct car insurers before you find suitable cover for
your needs. This applies equally whether you phone a
call centre or fill in an online quote application form.
Many Car Insurance companies will offer additional discounts
for purchasing your cover online as the costs of managing
the policy are reduced.
Insurance quotes from Direct Insurers
Affinity Sellers and Supermarkets
Many large high street outlets will now offer you car
insurance. In particular the large supermarkets are
now offering cheap car insurance cover. The insurance offered by these
outlets is usually provided by one insurance company
with whom the supermarket has a deal.
They may be able
to offer cheaper car insurance than the direct provider
themselves as they are able to guarantee large volumes
of business to the insurer.
However the standardisation
of the product for the supermarket etc. often means
that the majority of drivers wil be excluded.
Car Insurance quotes from Supermarkets