When you visit a bank or financial adviser and take advice, generally they will need to be paid for their time and advice. This is usually done so by the Insurer paying commission to the introducing firm. If the Insurer pays less commission the premiums are cheaper!

In our case as you are not visiting our office we can afford to reduce our income requirements and therefore pass this saving on to you in lower premiums.

Price pledge

Where you have a quote from another insurer that is cheaper than our quote  we will endeavour to always better their rate for you.