Should You Use Comparison Websites Or Go Direct When Looking For Insurance?

Finding the perfect insurance policy can be a challenge – there is a huge array of companies and options on the market, and it can be hard to know where to start. One of the biggest questions raised by many customers is whether it is best to use comparison websites or go direct when looking for insurance.

We took a closer look at the differences between these two methods and put together all you need to know to get the best deal on your insurance policy.

What Are Comparison Websites?

Comparison websites are a great way to get an overview of the insurance market. They allow you to compare different policies side by side, and see which one offers the best value for money. You can also use them to find out more about each company’s customer service record, as well as any discounts they may offer.

How Do Comparison Websites Work?

Comparison websites work by gathering information from a range of insurance companies and presenting it in an easy-to-understand format. This enables you to do quick and easy comparisons of the insurance deals that each insurer has to offer, tailored to your needs. 

The comparison website will usually ask you to enter some basic information about yourself, such as your age, location, and type of policy you are looking for. This information is then used to generate a list of policies that match your criteria. 

You can then compare the different features and prices, and decide which one is best for you. You can also read customer reviews and ratings to get a better idea of the quality of the policy, and compare details to make sure you’re getting the best deal for your requirements.

Benefits of Comparison Websites

Comparison websites offer a number of benefits, and these include:

• Convenience

Perhaps the largest advantage of comparison websites is their ease and convenience – you can compare a range of policies side by side quickly and easily, without having to contact each company individually. This gives a great overview of your options and means you can make an informed decision in a fraction of the time.

• Cost Savings

Comparison websites also offer cost savings – they often have exclusive deals with certain companies, meaning you can get a better deal than if you went direct. This is especially true for online-only policies, which are often cheaper than those purchased through traditional means.

• Deals and Bundles

Comparison websites also offer a range of deals and bundles, which can help you save even more money. For example, some companies may offer discounts if you buy multiple policies from them, or if you bundle your home and car insurance together – this allows you to save some serious cash in every area of your insurance needs.

Are There Any Downsides?

The main downside of comparison websites is that they don’t always offer the most comprehensive insurance coverage. This means that you may not be able to find the exact policy you’re looking for, or that some of the features may not be as comprehensive as those offered by a direct insurer.

Another potential downside is that comparison websites can sometimes be slow to update their information – this means you may not be getting the most up-to-date information, which could lead to you making an uninformed decision.

What Does Going Direct Mean?

Going direct means you contact the insurance company directly, rather than using a comparison website. This can be done either online or over the phone, and it allows you to get a more detailed overview of the policy and its features.

This also has its own advantages, and these include:

• Personalised Service

Going direct often allows you to get a more personalised service – you can speak to an insurance representative and ask any questions you may have about the policy. This means you can get a better understanding of what is covered, as well as any exclusions or limitations.

• More Flexibility

Going direct also gives you more flexibility when it comes to customising your policy. You can add or remove certain features, and you may even be able to negotiate a better deal.

• Better Rates

In some cases, going direct can also get you a better rate – some companies may offer discounts or special deals that are not available through comparison websites.

Are There Any Downsides?

The main downside of going direct is that it can be time-consuming – you have to contact each company individually, and this can take a while. It also means you may not get the best deal, as you won’t be able to compare policies side by side.

So, Which Should You Choose?

Ultimately, the decision of whether to use comparison websites or go direct when looking for insurance is up to you. Both methods have their own advantages and disadvantages, so it’s important to weigh up your options carefully before making a decision. 

Consider your budget, the type of policy you need, and the level of service you require before making a final choice.