We need insurance to protect our cars, pets, holidays and much more – and sometimes it can get overwhelming to know what’s right for us. Use HaMuch to get in touch with a reliable insurance broker in your area now.
What is an insurance broker?
An insurance broker is a regulated financial advisor who acts as an intermediary between the customer and insurance companies. They use their knowledge of the insurance market to find you the right insurance cover, usually for products like home, car and life insurance.
An insurance broker will help you decide on the level of insurance cover you need and recommend a suitable policy for you based on your financial situation. They are regulated by the FCA, so they are duty-bound to only recommend products that are suitable for you and that you can afford.
Is it worth getting insurance through a broker?
Yes, it’s definitely worth getting insurance through a broker, especially if you have complicated insurance needs. While you can use price comparison websites to get a general idea of how much a policy will cost, those offered on comparison sites are generic policies that don’t take into account your unique circumstances. So if you want cover that protects specific antique items in your home, a modified or classic car or you have health problems that aren’t usually covered, it’s best to speak to an insurance broker.
What is the difference between a broker and an insurer?
The difference between a broker and an insurer is that a broker helps you find suitable insurance cover, while an insurer is the company that actually offers the cover for your home, car, health or other asset. An insurance broker doesn’t work for an insurer, but they may be tied to a certain insurance company or panel of companies. This means that they will only recommend insurance products from those insurers.
You can think of a broker as an advocate for you – they will help find you the right insurance cover based on your needs and financial situation. They work for you, not the insurer, so will do their best to find you suitable cover.
Another difference between a broker and an insurer is that brokers can offer advice on the type of insurance product that is suitable for you, whereas an insurer can’t give you advice. They can only tell you the products that they have available and give you the facts.
Why should I use an insurance broker?
While you don’t have to use an insurance broker, it makes sense to use one for plenty of reasons:
Get free, expert advice
Insurance brokers know the insurance market and are qualified to give you guidance surrounding it – some brokers may have a qualification from the Chartered Insurance Institute (CII), while others may have completed a higher apprenticeship or many years of on-the-job training. Getting expert advice from an insurance broker will help you to make the right decision for you.
Plus, unlike mortgage brokers, insurance brokers tend not to charge a fee. The insurer pays them a commission when they sell the insurer’s products, meaning that it doesn’t cost you a thing to speak to a broker to get advice on your specific insurance needs.
Find the right policy for you
Unlike a comparison site, an insurance broker can take your personal circumstances into account. They can ask you questions about your property, asset or health and find the right insurance policy for you, but they can also help you understand whether you’re already covered by any existing policies.
Get a specialist policy
Comparison websites only tend to offer generic insurance policies. If you have specific insurance needs, an insurance broker can help build a policy that’s tailored to you. For example, if you have a classic car, you may not be able to get a policy through a comparison website. You might also find it hard to get travel or health insurance through a comparison site if you have a pre-existing condition.
Have claims managed
In the unfortunate event that you need to make a claim, your broker may be able to manage it for you. Some brokers will speak to your insurance company’s claims department to take the stress away from you. This can also reduce the risk of your claim being rejected.
How to find an insurance broker
Use a service like HaMuch to find an insurance broker. Simply enter a few details and they’ll be passed to at least one reputable broker that operates in your area.
You should also check that your insurance broker is on the Financial Services Register, which means that they are authorised by the Financial Conduct Authority (FCA) to offer financial services.
Our trusted Insurance Brokers
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We are committed to helping hard-working people like you get the best options on your pensions and investments— you are at the heart of what we do. We’re people first and pensions and investment experts second.As we live through volatile times, financial planning and wealth management can be complicated.People have lost confidence in financial advisers and financial planners - we want to change that. For us, it’s simple; we put people at the centre of everything we do. We get to know you a...
I gave my first piece of financial planning advice in 1995 whilst working for a Chartered Accountants in Marylebone. The Industry has changed massively since then and I work on a fixed fee basis as I believe it is transparent and better value for clients. BW Financial Planning is part of the 2plan Wealth network of advisers and we make the most of technology to provide clarity in financial planning advice and efficiencies in a heavily regulated works which should provide al clients with better f...
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We are a firm of Independent Financial Advisers based in Leicestershire offering specialist financial planning in all areas ranging from investment advice to pensions. We are a firm of Independent Financial Advisers based in Leicestershire offering specialist financial planning in all areas ranging from investment advice to retirement planning, estate planning, long term care planning, mortgage advice and much more.With over 35 years experience and managing over £275m of client money we provide...
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For me, planning for the financial future is more than just looking at numbers; it’s the people and dreams behind the figures that matter the most.I absolutely pride myself for my relationships with, and the service I provide to, my clients. For more than 20 years, I’ve been helping individuals and families exceed their financial goals. Personal and bespoke advice is always provided, with Inheritance Tax & Estate Planning being my area of expertise. I am very passionate in this element of fi...
I am dedicated to achieving successful outcomes for my clients. My mission is to bring a lifetime financial planning experience, where the advice is uncomplicated, clear and at all times meaningful. I am an Independent Financial Adviser in Sutton Coldfield, West Midlands. I provide personalised independent financial advice to help you achieve your financial goals and have over 27 years of experience in financial services.I deliver a range of financial advice, specialising in pensions, investment...
We’re here to help secure your financial future by supporting you with trusted advice every step of the way. Our experienced planners are here to help with whatever you need, whenever you need it. At Quilter Private Client Advisers, we understand that your financial journey lasts a lifetime, from your first savings or home purchase, investing and building your wealth through to inheritances and retirement.Our mantra is simple: we are here to help you grow, protect, enjoy, and then pass on your...
Award winning chartered financial planning firm giving quality independent advice We provide a Bespoke trusted adviser service for clients that require fully independent financial planners. We help you with managing your assets and investments to maintain and grow wealth, minimising tax, planning and coordinating all your financial matters. We provide specialist advice in a number of areas such Pension transfers and drawdown, investment and long term care. We have won multiple awards and ensure ...
Were an Independent Financial Adviser, working with private individuals and corporate clients.Whether youre looking to change your existing adviser or youre totally new to financial planning, Wren Sterling has a service to suit you. Wren Sterling offers a full independent financial advice service across the UK. We take the time to get to know you – and because we’re independent we can recommend the most suitable financial products from the whole of the market.We work with private individuals...
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We are a professional and friendly practice who pride ourselves on providing bespoke independent financial advice to individuals and businesses. Cranbourne Financial has been established since 1993 and has in excess of 75 years combined industry experience; we are based in the South East and mainly cover London and the Home Counties area. We advise on the full range of financial services and specialise in a number of areas, including pensions, investment, inheritance tax planning and mortgages. ...
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A fully Independent Company putting the clients interest first and building close relationships on an ongoing professional basis. Pension consolidation and drawdown specialists. Trust and Independence.Financial advice can be a mine-field of unexpected surprises. Here at Heritage we pride ourselves on taking out the confusion of such a complicated area that should concern anyone and everyone. Pensions & retirement: Pensions & retirement planning Financial planning: Wealth management Investmen...
We are a professional and friendly practice who pride ourselves on providing bespoke independent financial advice to individuals and businesses. Cranbourne Financial has been established since 1993 and has in excess of 75 years combined industry experience; we are based in the South East and mainly cover London and the Home Counties area. We advise on the full range of financial services and specialise in a number of areas, including pensions, investment, inheritance tax planning and mortgages. ...
I put your objectives first, planning your finances around them.Goal based financial planning; regardless of how much or little you have to begin with. We (you and I) can design a long term, evidence & goal-based plan, tailored to you and your family. Ive worked in financial services since I was 18, I studied economics and finance at university to Ba(Hons) level, and I have been a qualified financial adviser since 2014.Im an Independent Financial Adviser (IFA) that has an excellent breadth and d...
The best advice is independent, personal and fair. Call Integral Advice, to find out more. Integral Advice is based in the City and primarily covers the City and North West London. We are an independent financial advice company, covering all aspects of financial planning.Integral Advice seeks to provide the best solutions both at the outset of client relationships and on an ongoing basis.We offer free initial consultations, followed up by a bespoke, top-level, ongoing financial advice service, c...
I pride myself in providing an exceptional standard service to my clients, by giving clear, independent impartial advice.I am happy to meet in-person or remotely via video conference. Continuum has been created by some of the most experienced people in the financial industry to deliver a modern financial planning advisory partnership. Our aim is to help customers find solutions to their financial needs through a seamless and transparent financial services experience, whilst at the same time ensu...
We understand that everyone’s different, and that’s why our financial planning approach is as individual as you. We are BSL (British Sign Language) accessible. Archers Financial Services Ltd was established in 1991 and is today a leading provider of professional and independent financial advice in North London.We are committed to helping homebuyers and investors making the right choice.We deal with all aspects of financial planning with a particular emphasis on the Mortgage, Life Assurance, ...
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Highly-experienced and personable financial planner, providing quality independent financial solutions for my clients. At Advance Wealth you are genuinely cared for. We aim to make a difference to you and your financial circumstances.We love to build lasting relationships with our investors and are genuinely committed to providing you with the most suitable outcome, regardless of what it means for us financially. We are passionate about our industry, and we want you be satisfied that your financ...
Experienced firm of Chartered and Independent Financial Advisers providing independent financial advice to individual and corporate clients. Established in 1999 we are a firm of experienced Chartered Financial Planners and Independent Financial Advisers (IFAs) with offices located in Hertfordshire, London and Leicestershire. Our advisers can provide a comprehensive professional service offering advice on a variety of products including pensions, investments, mortgages and protection. We work on ...
I have over 15 years experience in financial services, wealth management and private banking.My passion is helping people achieve their financial goals; sometimes goals they did not think could be achieved. Our aim is to help you achieve your goals and manage your financial future so you can live life on your terms, and have life your way.Our first conversation together will simply involve listening to your circumstances, plans and aspirations.This free, no obligation initial consultation can ta...
I am an experienced financial planner who is passionate about helping clients to achieve their financial goals.I provide clear, precise advice. I work with you to help you achieve your financial freedom. Advice is tailored as one size never fits all. Charles Stanley is an award-winning wealth management firm. We advise on everything from retirement planning to investment strategies taking into account all of your circumstances. We can also help you preserve family wealth through inheritance tax ...
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A chartered wealth management specialist offering independent advice and discretionary management services to individuals, professionals, trustees and business owners. IFPC Wealth Management has over 30 years experience in offering an integrated approach to financial planning and wealth management. We are one of the few Chartered Financial Planning companies in the UK with an in-house discretionary investment management service. We offer professional, carefully researched and tailored solutions ...
Supreme Wealth Management are a family run business specialising in all areas of financial services with over 50 years experience. Pensions & retirement: Pensions & retirement planning Financial planning: Wealth management Investments: Investing for income Insurance & protection: Life insurance Critical illness Income protection insurance Tax & trust planning: Income tax Estate planning Capital gains tax Taxation planning Savings: Lump sum Regular savings Savings for children ...
Providing the best unbiased solutions for my clients with a personal relationship. Meetings can also be held over video/phone calls as well as in the office or your residence to suit your needs. Akash is a Level 6 qualified Chartered Financial Planner with over 13 years of looking after families and business clients in the Hertfordshire area. He provides personal and corporate financial advice as part of APG Wealth Management. Although the company is based in London, Akash works mainly in Hertfo...
Independent, Chartered financial planning firm, as well as our normal face to face meeting we are offering online and telephone advice, in response to Coronavirus. We’re here to support you. We are an award-winning, Chartered financial planning firm who have been delivering independent, tailored financial advice for over ten years.Based in London, Leeds and Bath, we help clients across the UK with their financial planning needs.Many of our expert team have worked together as colleagues for ove...
Offices covering the Highlands and Moray.Independent advice on a range of financial planning such as Tax planning ,Investments, consolidation, building up and drawing pension benefits. City Financial Limited offers sound independent advice on the full spectrum of financial products and services available both to the consumer and to the business owner. Our aim is to provide our clients with a flexible, high quality service, tailored to best suit the specific financial requirements of your individ...
With offices in both Inverness & Elgin, our four Financial Planners have over fifty years experience in delivering unbiased Independent Financial Advice We have invested in both our people and our infrastructure, all of this is to ensure that we deliver a financial planning process that your wealth deserves. We enshrine a team approach to every client so that no matter who you make contact with, they will be aware of you and your circumstances.We know that everyone has individual needs, and situ...
Fairstone incorporates one of the largest Chartered financial planning firms in the UK and is the number one rated wealth management house on Trustpilot. Fairstone is a national firm of Independent Financial Advisers. Established in the North East in 2008, Fairstone incorporates one of the UK’s largest Chartered financial planning firms.At Fairstone we understand how important it is to make the most of your money and we aim to deliver outstanding service to all of our clients whatever their fi...
We are The Modern IFA and aim to treat all of our clients fairly. Thompson Riddle Associates Ltd (The Modern IFA) has been established since Oct 2002. We have over 70 years experience collectivelyWe can provide assistance for all your financial needs and will work closely with you to help you achieve your goals.Your first meeting with us is free. Pensions & retirement: Pensions & retirement planning Financial planning: Wealth management Investments: Investing for income Insurance & protect...
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