When we take details for a quotation for anything – home, car, business etc – we ask lots of questions. We have access to a range of insurance products from a number of insurance companies and underwriting agencies. We fit the client to the most appropriate product for their benefit.

Online insurers generally have just one product available into which they try to fit the client which is to the benefit of the insurer.

Insurance is not a “one size fits all” business. Everyone is different, every business is different. For example, I dealt with two small electrical contracting businesses last week. Each is insured for public and employers’ liability but with different insurance companies. The reason for this is that one is qualified for 3-phase electrical work so will be working on industrial premises, the other just works on domestic properties, shops and offices. So we placed the client with the correct product for their needs and did not try to make the product fit the client.