Welcome to Cavendish Online. I’m Ian Williams and I founded Cavendish Online in 2000 as I felt that the life insurance market/sector needed a new approach as even the ‘discounting’ brokers were hugely overcharging clients. I felt that these charges weren’t a fair reflection of the amount of work that most financial advisers did for their clients. With that in mind, I introduced a new way of calculating our fee based on how little we could charge.
Via our online Life Assurance service, Cavendish charges £25 flat fee. That’s all. Ever.
Whereas your typical financial adviser will earn around £800 in commission on a £35 a month life insurance policy, you will have commission free premiums for the duration of the policy. This innovative approach has been welcomed by many in the industry and we have benefited from significant endorsement by a number of independent journalists, notably Money Saving Expert founder, Martin Lewis, who has recommended Cavendish Online since he launched his website in 2003.
Cavendish Online is a thriving e-commerce company, and a recognised change-maker in the protection and investment industry. We also offer one of the lowest cost investment and pensions platforms in the UK which provides the cheapest route to buy a stocks & shares ISA.
Cavendish Online provides its customers with the best value life assurance, pensions and investments from the country’s top financial service providers.
Our core values of Quality, Value and Transparency remain the guiding principles and our philosophy is to always put the customer first.
We are always looking to continue to improve and enhance our service. We very much welcome any feedback or ideas you may have so please get in touch.
Managing Director and Founder
Cavendish Online are committed to ensuring our fees and charges are highly competitive and transparent - so you know exactly what you are paying for when you use our different services.
For more information visit Our Fees page.