Welcome to Cavendish Online


Cavendish Online was founded by Ian Williams in 2000 as he believed that the life insurance market needed a new approach where charges fairly reflected the amount of work financial advisers did for their clients. With that in mind, Cavendish Online introduced a new way of calculating its fee based on how little we could charge.

Via our online Life insurance service, Cavendish Online charges a £25 flat fee. That’s all. Ever.
Whereas your typical financial adviser can 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 financial journalists, notably Money Saving Expert founder, Martin Lewis. 

Cavendish Online is a thriving e-commerce company, and a recognised change-maker in the protection industry. 

Cavendish Online provides its customers with their lowest possible premiums for life insurance and other protection products from many of the country’s top life insurers. 

Over 20 years on, and now part of Lloyds Banking Group, Cavendish Online remains committed to the relentless pursuit of customers' best interests. 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.



Our Team

  • John Nelmes
    Head of Cavendish Online Distribution
    John Nelmes
  • Samantha Richards
    Technical Manager
    Samantha Richards
  • Anthony Stephens
    Senior Manager, Operations
    Anthony Stephens
  • Luke Barber
    Business Development Manager
  • Ollie Popham
    Senior Manager, Sales
    Ollie Popham
  • Allan May
    People & Culture Manager
    Allan May
  • Adil Ansari
    Senior Risk Manager
    Adil Ansari
  • Scott Maitland
    Department Manager
    Scott Maitland
  • Chris Wellings
    Department Manager
    Chris Wellings
  • Ben Kent
    Senior Insurance Adviser
    Ben Kent
  • Melody Woods
    Assistant Technology Support Manager
    Melody Woods
  • Donna Morris
    Senior Business Support Assistant
    Donna Morris
  • Skye Mackenzie
    Business Performance Analyst
    Skye Mackenzie
  • Meriel Leaver
    Senior Business Support Assistant
    Meriel Leaver
  • Dave Treanor
    Senior Insurance Adviser
    Dave Treanor
  • Dan Carlo
    Senior Insurance Adviser
    Dan Carlo
  • Steve Warne
    Team Leader, Sales
    Steve Warne
  • Damien Penfold
    Team Leader, Sales
    Damien Penfold
  • Timary Axtell
    Senior Protection Consultant
    Timary Axtell
  • Maisie Lake
    Senior Insurance ADVISER
    Maisie Lake
  • Laurence Grantham
    Assistant Business Support Manager
    Laurence Grantham
  • Paul Jackson
    Senior Business Support Assistant
    Paul Jackson
  • David Vickery
    Assistant Business Development Manager
    David Vickery
  • Sam Dickinson
    Senior Insurance Adviser
    Sam Dickinson
  • Marc White
    Senior Protection Consultant
    Marc White
  • Ashley Gower
    Senior Insurance Adviser
    Ashley Gower
  • Miranda Lewis
    Financial Controller
    Miranda Lewis
  • Glen Carnall
    Team Leader, Sales
    Glen Carnall
  • Lewis Turnbull
    Senior Protection Consultant
    Lewis Turnbull
  • Danielle Robinson
    Senior Insurance Adviser
    Danielle Robinson
  • Chris West
    Team Leader, Sales
    Chris West
  • Dan Booker
    Senior Protection Consultant
    Dan Booker
  • James Rolfe
    Team Leader, Sales
    James Rolfe
  • Josh Barr
    Senior Protection Consultant
    Josh Barr
  • Leroy White
    Senior Protection Consultant
    Leroy White
  • Marius Mazuru
    Software Engineer
    Marius Mazuru
  • Jasmine Davies
    Marketing Assistant
    Jasmine Davies
  • Cara Howells
    Senior Insurance Adviser
    Cara Howells
  • Mae Skelding
    Senior Customer Adviser
    Mae Skelding
  • Andy Dyet
    Senior Protection Consultant
    Andy Dyet
  • Becky Bird
    Senior Customer Adviser
    Becky Bird
  • Harry Graham
    Insurance ADVISER
    Harry Graham
  • Steve Workman
    Software Engineer
    Steve Workman
  • Dan King-Smith
    Senior Protection Consultant
    Dan King-Smith
  • Hannah Cleal
    Team Leader Business Performance
    Hannah Cleal
See more of our team

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 life insurers
  2. Value

    Providing our lowest possible premiums
  3. Transparency

    Our fees and commission are upfront and clear

What our customers say