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Advertising Costs v Broker's Commission

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Some direct insurers say they cut out the middleman to keep the costs down, but spend masses on advertising to gain business, which of course has to be paid for.

What costs the most: Direct Insurer advertising, or Broker commission, which is typically 10% pre-Insurance Premium Tax on motor insurance?

By cutting out the Broker, the consumer is also losing out on independent expert advice, someone to fight their corner with the clout of the Broker's entire account with an Insurer, instead of being just one policyholder alone.

Answers on a postcard please.
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