Why Cavendish Online?

Cavendish Online provides a cost effective, quick and efficient "execution only" service. So, if you know exactly what you want - you can take advantage of our discounts and make considerable savings.


Life Assurance

Cavendish Online is committed to providing customers with the cheapest route to buy life assurance. To allow you to choose the lowest possible premium you will be given two methods of applying when you carry out a quote:

Fee Based – We charge a one-off fee of just £35. 100% of the commission that we receive is reinvested in your policy to provide the lowest possible premium. This is your cheapest route to buy life assurance.

Commission Based (No fee) – We DO NOT charge a fee but retain a fraction of the commission; we reinvest the remainder into your policy. This route will provide a very competitive premium and in some cases the cheapest route to buy life assurance. It also means you do not have to pay Cavendish Online any fees.

If you need advice then please call us on 08456 44 25 40 or request a call.

Please visit our Life Assurance section for more details or get an instant quote


Investments

For arranging your policy through us, we will reinvest all of the initial commission we receive from your chosen investment plan / insurance policy. You will not get this level of discount by buying direct from the product provider, so it is in your interest to buy from us. Cavendish Online has created a fund supermarket that provides the cheapest route to buy and manage fund-based investments.

The all new Cavendish Online FundSupermarket will be powered by FundsNetwork™ and will have no other charges than the annual AMC applied to the selected fund. As a result of this new facility, Cavendish Online customers will now benefit from:

  • NO initial charges on all funds
  • NO switching fees
  • NO Cavendish Online fee
  • 100% rebate of natural trail commission

Please visit our Investments section for more details.


Home Insurance

Cavendish Online are committed to providing the lowest cost Home and Contents insurance premiums.

All brokers from The AA to Virgin receive commission from the insurance providers which increases your premium by over 30%. The higher your risk due to living on a flood plain or simply your postcode the higher their commission. Because Cavendish Online are the ONLY broker to give up 100% of this commission and instead charge a transparent flat fee of just £25 (and that’s all will earn from your policy) our quotes are probably the cheapest you will find.

Please visit our Home Assurance section for more details.


Pensions

No matter how much you put in your pension you will be better off using Cavendish Online as we reduce the charges applied to your pension plan.

We only charge a one-off £35 fee to set up your new pension and we take 0% commission from the pension provider. This reduces your Annual Management Charge (AMC) for the life of the plan. This in turn will significantly increase the value of your pension fund at retirement - See Examples. If you already have a pension we can arrange to transfer it into a new plan to lower your charges.

Please visit our Pensions section for more details.


How can we offer these discounts?

For the privilege of knowing what you want, we will give you the maximum discount. Whereas other advisers take all or a proportion of the commission, we will not take any of the commission. We only charge a small, fixed fee for processing your application for any policy you arrange through us.

We keep our costs to a minimum because all communication is via email and the post. We are not providing advice and therefore, by streamlining our administration, we can keep our costs down to a minimum. You get the benefit of purchasing what you need and want at the lowest cost in the UK.


Need Advice?

If you do not know what you need or if you are unsure about what product will meet your requirements, then we recommend talking to an independent financial adviser.

For life assurance, we now provide an advice service. Please call us on 08456 44 25 40 for more information.