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 Assurance service, Cavendish charges £25 flat fee. That’s all. Ever.
Whereas your typical financial adviser will earn around £500 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 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

Ian

 

Products & Services from the leading financial brands

  • Legal And General
  • Fidelity International
  • HSBC
  • Invesco Perpetual
  • Jupiter
  • Vanguard
  • Woodford

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.

 

What the experts say

  • 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
  • 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
  • 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
    Advised Department Manager
    Allan May
  • Ollie Popham
    Sales Manager
    Ollie Popham
  • Mike Green
    Investment Service Manager
    Mike Green
  • Victoria Smith
    Data & Propositions
    Victoria Smith
  • Chris Wellings
    Insurance Adviser - Team Leader
    Chris Wellings
  • Nikita Davis
    Insurance Adviser
    Nikita Davis
  • Chris West
    Insurance Adviser
    Chris West
  • Skye Mackenzie
    Senior Protection Consultant
    Skye Mackenzie
  • Dave Treanor
    Assistant Sales Manager
    Dave Treanor
  • Rebecca Follett
    Business Performance Lead
    Rebecca Follett
  • Paul Jackson
    Client Services
    Paul Jackson
  • Jasmine Davies
    Adviser Support
    Jasmine Davies
  • David Vickery
    Insurance Adviser
    David Vickery
  • Donna Fricker
    Client Services
    Donna Fricker
  • Glen Carnall
    Insurance Adviser - Team Leader
    Glen Carnall
  • Meriel Leaver
    Client Services
    Meriel Leaver
  • Simon Williams
    Business Performance Team Leader
    Simon Williams
  • Melody Woods
    Sales Support Executive
    Melody Woods
  • Scott Maitland
    Senior Protection Consultant
    Scott Maitland
  • Jamii Fidler
    Insurance Adviser
    Jamii Fidler
  • Steve Warne
    Senior Protection Consultant
    Steve Warne
  • Cara Howells
    Protection Consultant
    Cara Howells
  • Laurence Grantham
    Insurance Adviser
    Laurence Grantham
  • Becky Bird
    Insurance Advice Team Administrator
    Becky Bird
  • Steve Workman
    Data Developer
    Steve Workman
  • Laura Hinton
    Insurance Adviser
    Laura Hinton
  • Lewis Evans
    Protection Consultant
    Lewis Evans
  • Mae Simarro
    Case Administrator
    Mae Simarro
  • Josh Barr
    Protection Consultant
    Josh Barr
  • Bracken & Bella
    Security & Motivation
    Bracken & Bella
See more of our team

What our customers say