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    thout having to spend hours calling around for quotes.

    3. The human touch

    As larger insurers struggle to bring down their expenses, they typically use cost-cutting measures such as replacing staff with automated response units (the recorded message that answers your calls and invites you

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    WHEN it comes to buying insurance, we're not exactly lacking in choice. Direct insurers, broker services – even the supermarkets are at it, offering insurance for everything from your car to your life.

    So where should you shop for one of the most important purchases you'll make? Here are just a few reasons why the smart money's on independent brokers…

    1. Lower expenses mean lower premiums

    Sometimes it feels like it's impossible to switch on TV without seeing an advert for a direct insurance company: you can probably name a few right off the top of your head. Those adverts cost money, though – often a lot of money – and those costs have to be recouped somehow. If you buy from a direct insurer, then, you may end up paying for more than just insurance: you could be paying for that expensive marketing campaign, too.

    2. Instant access to competitive quotes

    Buying your insurance through an independent broker such as www.computerquoteinsurance.com means that you're not just relying on one person for your quote. Your broker will be able to search through a number of different insurance databases to find you the most competitive price. You find the best deal without having to spend hours calling around for quotes.

    3. The human touch

    As larger insurers struggle to bring down their expenses, they typically use cost-cutting measures such as replacing staff with automated response units (the recorded message that answers your calls and invites you

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    a few reasons why the smart money's on independent brokers…

    1. Lower expenses mean lower premiums

    Sometimes it feels like it's impossible to switch on TV without seeing an advert for a direct insurance company: you can probably name a few right off the top of your head. Those adverts cost money, though – often a lot of money – and those costs have to be recouped somehow. If you buy from a direct insurer, then, you may end up paying for more than just insurance: you could be paying for that expensive marketing campaign, too.

    2. Instant access to competitive quotes

    Buying your insurance through an independent broker such as www.computerquoteinsurance.com means that you're not just relying on one person for your quote. Your broker will be able to search through a number of different insurance databases to find you the most competitive price. You find the best deal without having to spend hours calling around for quotes.

    3. The human touch

    As larger insurers struggle to bring down their expenses, they typically use cost-cutting measures such as replacing staff with automated response units (the recorded message that answers your calls and invites you

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    t money, though – often a lot of money – and those costs have to be recouped somehow. If you buy from a direct insurer, then, you may end up paying for more than just insurance: you could be paying for that expensive marketing campaign, too.

    2. Instant access to competitive quotes

    Buying your insurance through an independent broker such as www.computerquoteinsurance.com means that you're not just relying on one person for your quote. Your broker will be able to search through a number of different insurance databases to find you the most competitive price. You find the best deal without having to spend hours calling around for quotes.

    3. The human touch

    As larger insurers struggle to bring down their expenses, they typically use cost-cutting measures such as replacing staff with automated response units (the recorded message that answers your calls and invites you

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    your insurance through an independent broker such as www.computerquoteinsurance.com means that you're not just relying on one person for your quote. Your broker will be able to search through a number of different insurance databases to find you the most competitive price. You find the best deal without having to spend hours calling around for quotes.

    3. The human touch

    As larger insurers struggle to bring down their expenses, they typically use cost-cutting measures such as replacing staff with automated response units (the recorded message that answers your calls and invites you

    Coaching
    The first use of the word “coach” in English occurred in the 1500s to refer to a kind of carriage. “Hence,” say Witherspoon and White, “the root meaning of the verb to coach is to convey a valued person from where he or she was to where he or she wants to be.” Coaching is a process that helps executives learn, grow, and change. Although what coaching involves depends on the specific execut
    thout having to spend hours calling around for quotes.

    3. The human touch

    As larger insurers struggle to bring down their expenses, they typically use cost-cutting measures such as replacing staff with automated response units (the recorded message that answers your calls and invites you to key numbers into your phone to get the information you're looking for), or by outsourcing customer service to foreign call centres where the staff may not even be fluent in your language. An independent broker, on the other hand, places far more emphasis on the human touch: real people to talk to; named contacts, no passing of your call from department to department as each person struggles to deal with your enquiry.

    4. Optional extras

    Sometimes it's the hidden costs of insurance that really sting, for example the expensive add-on legal cover which you find out you have paid extra for only when you look at your documents or the breakdown cover that seemed too costly from your big insurance company. An independent broker, on the other hand, will often be able to negotiate low-cost deals for these added extras, which you can then add to your policy for a fraction of the price charged by larger companies. As an example, Computer Quote Insurance offer fully featured breakdown cover online at just ?60 (a saving of up to ?90 on some bigger national insurers) and up to ?50,000 of legal protection for only ?12 online.

    So where will you go for your insurance? The advic

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