How To Apply

There are currently 3 methods of applying:


Carry out a quotation online and you'll then be presented with a panel of Insurers. You will then be able to select an Insurer and continue to complete the application.
If the Insurer does not need any further information (from your GP for example) then you will be able to start the policy immediately.
Once the policy has been confirmed you will then need to go back onto our site to pay our one-off fee of £25.00 (for fee based applications).
If you prefer not to pay the £25 fee then we do also offer a no-fee option where the premium is generally a little bit more expensive each month and the Insurer will pay Cavendish Online a small amount of commission instead. This may be suitable for low premiums where the difference in price is minimal or could be an option if you think you may change the cover you have in the near future.


If you prefer then you can call or request a call from one of our consultants. They will be able to guide you through the various options and help you decide the best policy for your needs. If you are not sure of exactly what you need then this could be a good option. No fee is payable so feel free to call for an initial chat. If you did take out a policy through this route then we would receive commission from the Insurer but we do request a lower percentage of commission resulting in lower premiums for our customers.

To speak to a consultant please call us on 01392 241 850

To request a call back please click here


If you prefer then you can call or request a call from one of our advisers. They will be able to talk to you about the various products and options and help you find the exact policy suitable to your circumstances. This route is often suitable for people with medical disclosures or hazardous occupations or hobbies as our advisers will be able to find the most suitable and affordable policy that meets your specific requirements.

To speak to an adviser please call us on 01392 436 193

To request a call back please click here

Once you apply

If you have applied online then you will either be told by the provider that cover is in place and in that case you will need to pay our fee and then wait for your policy documents to be posted to you. Or, if the provider requires further information then you will be kept up to date via email and then once complete, the policy documents will be posted to you.

For telephone-based applications you will be told over the phone whether you are able to obtain cover immediately or if any further information is required. You will be kept up to date and then once the policy is complete, the policy documents will be posted to you.

If you have any queries please contact or call 03456 44 25 44.


Our fee

For more details about our fee please visit the About our Fees page.