We're fine for business thank you. I was simply trying to stop another member of the public being misled...

Out of curiosity what are you basing this false assessment on? If you run a like for like quote through, for example Legal & General, directly and then run exactly the same quote through Exweb or Assureweb on full commission you will find that the prices are the same. The broker can then lower the premium below the 'insurer direct' price by sacrificing commission, therefore making it a more competitive price.

Common sense would suggest that if what you were saying had any accuracy then a consumer should simply find out the cheapest company from the broker and then go to the insurer directly (as this would obviously be a cheaper option). If there are any other misconceptions you would like me to clear up Ian please feel free to ask.

Adam