Do you really need to use a professional insurance broker when there are so many comparison sites available?
In 2026, with dozens of websites offering to find you options for insurance in seconds, speaking with an expert broker might seem unnecessary. However, if you’re looking for coverage that goes beyond the basics, a broker can make all the difference when it comes to finding the right cover for you and your home.
What does an insurance broker do?
An insurance broker is a professional familiar with the ins and outs of their local insurance industry. They’re clued up on everything from the best providers and policies to common pitfalls that trap new buyers. An insurance broker’s job includes:
- Working for you, the client, to assess all your insurance needs and make sure you have complete cover
- Staying up-to-date on insurance companies and their products to offer you the best choice
- Arranging cover and submitting the necessary information to your insurer
- Making sure clients understand all the details of the new policy so there are no nasty surprises when it comes time to make a claim
- Managing the annual process of renewal and adjustment
- Advising you on claims and risk management to help keep your policy costs as low as possible
Insurance brokers vs. comparison sites
As you can see, a broker’s job covers more than just offering you a list of policies. Comparison sites are great for getting an overview of what’s available. However, the automated nature of the service means you’ll never be able to tailor the options exactly to you.
Every insurance policy is different, just like every person, home, and family is different. Do you need cover for your musical instruments that applies even when they’re outside the house? Do you want to insure your bicycle while it’s locked in the shared bike shed on your street? Is your home in a high-risk area for flooding?
While a comparison site will list offers based on the value of cover you need, an insurance broker can look at what you value most – and help you find the perfect plan for your needs.
Insurance brokers vs. going direct
The third option for insurance shopping is going directly to a supplier. This can be a good choice for anyone looking for a straightforward policy who has been recommended a trusted provider.
The best value insurance providers may not list their services on comparison sites at all. That’s because comparison sites charge a listing or referral fee. By avoiding this fee, insurance companies can pass savings on to you. If you’re looking for a simple policy you can set up fast, this could be a good option for you.
However, for households with more complex requirements, using an insurance broker guarantees your policy covers what you need, when you need it. Saving time setting up a pre-made policy is pointless if that policy can’t help you in an emergency. There’s nothing worse than throwing away money paying for cover that isn’t fit for purpose.
Top tip! Looking for great value home or contents insurance?
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