If you wanted to buy a new car seat for your child to use in the car, you would probably ask your friends or family with children to see what car seats they had purchased. You might do some research online to see what types of car seat were available, at what price. You may also seek the advice of a specialist to ensure that you knew what seat would be right for your child’s size, weight and age. It’s likely that you’ll consider the price in relation to your budget and the length of time you are going to need the seat. You would explore all the options to make sure that you got the right product to fit with your needs and so you could be sure that your child was protected well when travelling in your car. And once you had made your decision, based on the recommendations you had received, you would probably choose to buy from a credible company - and even enlist the help of an expert to fit the seat if required.

Life insurance brokers are the specialists in their market. If you’re thinking of buying a life insurance policy and it’s something you don’t know much about, but you know you want good advice to ensure that your family is well protected you might want to think about using an insurance broker. The Money Advice Service describe brokers as “experts in the market and – even with run-of-the-mill insurance – they can often find you better cover at a great price”.

Comparison sites can play a role and help us with our research. But the Money Advice Service says, “Comparison sites are not always the best way to buy insurance.”

This is because the policies you’ll be offered on a comparison site are fairly generic. If you want a policy that meets your needs more specifically, which is important when buying life insurance, it might be better to use a broker.

There are a number of reasons why it might be better to use a broker for your life insurance:

• Their expert advice will not cost you. Insurance brokers, like Essential Insurance, will not cost you a penny. Brokers (just like comparison sites) get paid a commission by the insurance provider for selling their products. So the broker will do the shopping around for you, to get you the best deal and not charge you a fee.  However, unlike comparison sites with a broker you get the added benefit of their specialist expertise. A broker will not only get you a price to suit your budget, they’ll also give you advice on the types of products that best suit your needs.
• Understand your options. A broker, with their market understanding and expertise, can help you by explaining all the different types of cover available, making things clear and helping you to work out exactly what you need.
• Get the right product for you. A broker will find out what is important to you and what you need, they’ll ask you all the right questions to find you the right policy. They’ll aim to get you a good deal by comparing a range of prices and product features. Plus they’ll be able to tell you if you’re already covered by any of your existing insurance policies so you don’t buy more cover than you need (and don’t end up paying for more than is required).
• Specialist products. On comparison sites you might not find everything you are looking for, such as income protection or critical illness – that will need to be tailored to suit your individual needs.
• Your paperwork taken care of. A broker will do as much as possible for you to keep things simple and make sure your policy is in place promptly, to save you time, hassle and worry.

At Essential Insurance we provide no nonsense advice and policies to suit your family’s needs. We’ll search and compare policies from UK leading insurers and you’ll get your own experienced advisor to help you get the cover you need at the right price for your budget. Contact us on 0800 612 8005 or click here and we’ll contact you https://www.essentialinsurance.co.uk/request-a-callback/.