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Do you renew your insurance policies on a comparison website or via a broker?

In this day and age, we probably all have many different insurance polices, covering a range of needs such as car insurance, travel insurance, home insurance and pet insurance. 

But how do we know how to get the best most appropriate deal to meet our needs?

In recent years, price comparison websites like Confused.com have cropped up, and the competition is extremely high for insurance companies to deliver a policy that is as cheap as possible … but is cheap always the best?  How can we be sure we are covered for all eventualities, by ticking boxes online.  How do we know at a glance that we are comparing like for like?

Many people turn to one of the big four comparison sites to look for the cheapest insurance (moneysupermarket.com, gocompare.com, comparethemarket.com and confused.com), but is this always the best way? The policies you’ll be offered are fairly generic so if you want a policy that meets your individual circumstances it might be better to use a broker.

Getting expert advice does not cost you more. Unlike comparison sites they have specialist expertise and can give you advice on the products that best suit your needs.

Find the right product for you. A broker will ask you about your personal circumstances to find you the right policy. They’ll also be able to tell you if you’re already covered by your existing insurance policies so you don’t overlap, and they will often get you a good deal by comparing prices and product features. They can also be more flexible on price than comparison sites.

So what are your views?  Are you happy to renew your insurance policies using price comparison websites? Or do you prefer that personal touch, and talk to a broker to ensure your needs are met? Is price the most important element when you renew, or does the quality and specification of the policy to meet your needs have a higher priority?

Do you renew your insurance on a comparison website or via a broker?

192 people have already voted, what's your opinion? I prefer to use a price comparison website I prefer to contact a broker

What are your views?

We'd love to hear your comments

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deffay
20th Jun 2016
0
Thanks for voting!
I don't change insurer for my Buildings Insurance, but I do ring them and haggle the price. Have always felt that if I needed to claim say for subsidence any new insurer flips out and claims the damage started before their cover started. So safer to stay with the same policy.
viking
16th Jun 2016
0
Thanks for voting!
Have had experience of both. I wish that I had not gone into a brokers office as my pacemaker nearly caught fire when I was told the final figure inspite of 9 years NCD.- It was nearly twice the price of that which I was paying. So much for a helpful suggestion from a friend.
Using a comparison site then going in to an insurance company site has also caused problems over the years, particularly when there is a lot of "nerdy" computer speak on it, making it very difficult or even impossible to converse with a human [ it's done like that to lower the costs to you !!] Hmm
Some of us can still remember how to work an abacus !!
Recycledteenager36
9th Jun 2016
0
Thanks for voting!
i would like very much to have a cheaper insurance despite the fact I have 9 years no claims my insurance year by year keeps creeping up and with some you have to pay etra for basic need. It would appear also that the goverment in their wisdom has put a 9% tax duty. Truly fed up my car is the only luxury I allow myself but in fact it is not a luxury as I live in a village with no transport system and no shop. Heh ho country life the down side.
Kes
23rd May 2016
4
Thanks for voting!
I don't use a broker or a comparison website. Only once have I tried a comparisons website and I won't do it again. The aftermath is annoying to say the least, and there a lot of good companies out there that don't subscribe to them. I much prefer to do my own website research and it is possible to bargain and challenge companies directly these days. They expect it, and I find it much better to pick up the phone and discuss it with someone after having done the research, and not just accept what's on screen and click on the dotted line as it were.
JohnHerb
23rd May 2016
3
Thanks for voting!
I find using a broker is much easier than going on the internet as its very confusing and takes so much time. My experience is that using a broker will get you prices that are as good as the internet and with a fraction of the time spent. I am like you I do not like the sites like GoCompare.com as they keep hounding you after with sales calls and emails
Poppet
21st May 2016
2
Thanks for voting!
Hi, I am trying to buy this Surewise emergency policy but, when I reach the payment section, as far as I can see,there is no box to enter Silversurfers to receive the additional discount. I have sent them a message as this seems a good price compared to what we are paying to Homeserve. Not a request for help just mentioning it in case anyone else is having problems. Do hope we can get this as it covers, much much more than we have and, even at full price, sounds brilliant.
2
Thanks for voting!
Hello Poppet. I think you just need to click the link and proceed to the Surewise site and it automatically provides the discount. If you have any problems please let us know. Kind regards, Sally
Poppet
21st May 2016
3
Thanks for voting!
All sorted now thanks, how lovely you responded though. Great people on the Silversurfers team:)
Lionel
15th May 2016
3
Thanks for voting!
I find all these comparison sites so confusing, particularly as often what they advertise is unavailable from the advertising company. It is bait.

About twelve years ago my wife and I simplified our limited insurance needs. We rang around for quotes, chose a company dealing with over fifties and as renewals came along, gave them the business.

Now, each year we ring a few companies, get quotes and then decide to stay with the same company since they very competitive.
Dollie
13th May 2016
3
Thanks for voting!
trouble is using a comparison site is all the rubbish they keep sending you after!
Wilf
20th May 2016
2
Thanks for voting!
Yes I agree. i have used them and I get inundated with phone calls and emails after. Its very annoying
Dollie
21st May 2016
2
Thanks for voting!
I never put my phone number down I just type 00000000000 (make sure its 11 noughts)
Wilf
21st May 2016
3
Thanks for voting!
Brilliant idea! must do that!
Pete H
12th May 2016
2
Thanks for voting!
I use the comparison sites but think you have to be very careful when you do as finding a direct comparison is difficult. To get the cheapest price at the top of the list they cut out key elements of the policy. On balance I think a phone call to someone that you can trust is the best route.
Jo Kingham
12th May 2016
3
Thanks for voting!
I use comparison websites although one needs to be careful as not all companies are listed on them. What's really useful is they store your details from year to year so you don't have to keep re-entering everything
JohnHerb
10th May 2016
4
Thanks for voting!
its easier to use a broker but I did use a website that compares prices who then gave me a quote. I looked about for other quotes and then got one for £249 less for our 3 cars combined. I told this to the first insurer on the comparison site and he reduced my quote by £250? If I had not have asked I would be paying that. It does make you think its better to have a completely independent broker if they exist who will just give me the best deal that is suitable for my needs.
Marley444
10th May 2016
4
Thanks for voting!
I have tried using comparison websites to renew car insurance policies ... I find them a bit of a nightmare, and it requires a lot of time and patience if you want to compare more than one care. I have also tried to do it with home insurance which I currently do through a broker. Thought I should get a quote to compare my renewal quote, but found it virtually impossible to get a quote online that matched the policy details I have ... gave up and decided I would rather pay a bit more and be sure I had adequate cover than to be under insured. My experience is that insurance companies will do anything to get out of settling claims if they can!
Munsterlander
10th May 2016
4
Thanks for voting!
I have always used a broker in Manchester by phone who has provided very good service over the years. Earlier this year I did try out comparethemarket.com which was interesting as some of the prices were so cheap but on looking at them they did not meet my needs and I kept getting sales calls from the insurance companies I had clicked on. I would prefer to keep my broker as I trust them to get me the best deal for my house and car insurance.

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