Direct Car Insurance Companies are exactly that - you the customer deal with the company direct.

This means you have to deal with the Car Insurance company when you first purchase the policy , make any subsequent changes or need to make a claim.

Direct Insurance often claims to be cheaper by cutting out the middleman, however when it comes to making a claim you will need to negotiate wityh the company yourself. The advantage of buying from a car insurance broker is that you can purchase the policy and not have to worry about hours on the phone in the future should you need to claim!