Welcome to Cavendish Online


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 insurance 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. 

Cavendish Online provides its customers with the best value life insurance and other protection products from the country’s top financial service providers. 

Our core values of QualityValue 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.

Ian signature

Ian Williams
Managing Director and Founder
Cavendish Online



Our fees

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.

Is there anything else we can help with?

What the experts say

  • Martin Lewis: Cavendish Online has been my top life insurance pick for years, and has consistently offered good prices during this time. It pioneered giving up all its commission in return for a one-off fee for online applications and can make it over 50% cheaper than most full-commission brokers.
    Martin Lewis
    Money Saving Expert
  • Justin Modray: The most sensible option for buying term assurance. The best deals are usually via discount brokers who waive all commission and simply charge a one-off fee.
    Justin Modray
    Candid Financial Advisor
    Candid Money
  • Andrew Oxlade: Set up term life insurance if you have a family to support: buy it through a discount broker, such as Cavendish Online, rather than a traditional broker. The savings are immense.
    Andrew Oxlade
    Executive Head of Personal Finance

Why Choose Cavendish Online?

  1. Quality

    Products from leading financial service providers
  2. Value

    Best value possible with minimal charge amounts
  3. Transparency

    Our fees and commission are upfront and clear

Our Team

  • Ian Williams
    Managing Director
    Ian Williams
  • John Nelmes
    Marketing Director
    John Nelmes
  • Samantha Richards
    Data Manager
    Samantha Richards
  • Anthony Stephens
    Head of Propositions
    Anthony Stephens
  • Luke Barber
    Business Development Manager
  • Allan May
    Head of People & Culture
    Allan May
  • Ollie Popham
    Head of Sales
    Ollie Popham
  • Chris Wellings
    Team Leader
    Chris Wellings
  • Scott Maitland
    Team Leader
    Scott Maitland
  • Chris West
    Team Leader
    Chris West
  • Glen Carnall
    Team Leader
    Glen Carnall
  • Steve Warne
    Senior Protection Consultant
    Steve Warne
  • Laurence Grantham
    Client Services Team Leader
    Laurence Grantham
  • Melody Woods
    Sales Support Team Leader
    Melody Woods
  • Dannielle Robinson
    Senior Adviser
    Dannielle Robinson
  • Marc White
    Senior Protection Consultant
    Marc White
  • Dan Booker
    Protection Consultant
    Dan Booker
  • James Rolfe
    James Rolfe
  • Josh Barr
    Senior Protection Consultant
    Josh Barr
  • Leroy White
    Customer Relationship Manager
    Leroy White
  • Marius Mazuru
    Marius Mazuru
  • Jasmine Davies
    Digital Marketing Executive
    Jasmine Davies
  • Cara Howells
    Protection Consultant
    Cara Howells
  • Mae Skelding
    Sales Support Executive
    Mae Skelding
  • Andy Dyet
    Andy Dyet
  • Becky Bird
    Insurance Advice Team Administrator
    Becky Bird
  • Harry Graham
    Harry Graham
  • Steve Workman
    Data Developer
    Steve Workman
  • Dan King-Smith
    Senior Protection Consultant
    Dan King-Smith
  • Hannah Cleal
    Business Performance Executive
    Hannah Cleal
  • Nikita Davis
    Insurance Adviser
    Nikita Davis
  • Chris Biggs
    Senior Adviser
    Chris Biggs
  • Skye Mackenzie
    Sales Support Executive
    Skye Mackenzie
  • Dan Carlo
    Senior Adviser
    Dan Carlo
  • Damien Penfold
    Senior Protection Consultant
    Damien Penfold
  • David Vickery
    Senior Adviser
    David Vickery
  • Donna Morris
    Payroll & HR
    Donna Morris
  • Maisie Lake
    Maisie Lake
  • Sam Dickinson
    Insurance Adviser
    Sam Dickinson
  • Timary Howells
    Protection Consultant
    Timary Howells
  • Paul Jackson
    Client Services
    Paul Jackson
  • Lewis Witherington
    Senior Adviser
    Lewis Witherington
  • Ben Kent
    Senior Adviser
    Ben Kent
  • Meriel Leaver
    Client Services
    Meriel Leaver
  • Bracken & Bella
    Security & Motivation
    Bracken & Bella
See more of our team

What our customers say