It always seemed counter-intuitive to me – surely using an insurance broker for your insurance (car insurance, household insurance etc.) couldn’t be worth it unless you needed vast amounts of cover, or had really specific insurance needs – after all, the broker needs to take a cut, and the insurer still needs paying! However, having tried it out, this is not the case. Not only do the insurers offer their policies to brokers at a discount – on the grounds that they have to spend less on advertising I believe – but they also offer policies and deals that you won’t find elsewhere. So, the broker can make his money and you can get a better deal – particularly when it comes round to renewing, when so many insurance companies seem to offer a “new customers only” policy on price!