There are 3 routes to quote and apply for Life Assurance through Cavendish Online.

When you quote and apply for Life Assurance through our website on an execution only basis, you have the option of selecting either a Fee Based or a Commission Based policy. 

Should you wish to quote and apply for Life Assurance over the telephone through either our Advised or Guidance teams, there is no fee payable. Instead, we would receive some commission from the policy provider for the work that we do. However, we sacrifice a large proportion of this commission to bring costs down for you. 

Route 1

Quote & Apply Online 


Fee Based

When you select this option, there is a one off fee of £25.

By charging a £25 one off fee Cavendish Online asks all providers to rebate all the commission normally paid to a broker.  This makes it possible to offer the lowest life insurance premiums in the UK.

 

Commission Based

Alternatively, you can also choose our no fee, commission based option.

With this, we will instead take a small percentage of commission, but you will not have to pay us a fee.

This is usually suitable for short term or low premium policies or if you think you'll change your insurance in the next few years.

When you carry out an online quote you will see prices for Fee Based and Commission Based where possible.

Route 2

Quote & apply with guidance


No fee is payable

However, if you did take out a policy through this route then we would receive commission from the Insurer.

We request a lower percentage of commission resulting in lower premiums for our customers. 

To speak to a consultant please call us on 01392 24 18 50

Guidance small 01

Route 3

Quote & apply with advice


No fee is payable

However, if you did take out a policy through this route then we would receive commission from the Insurer.

We request a lower percentage of commission resulting in lower premiums for our customers. 

To speak to an adviser please call us on 01392 43 61 93

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Do you offer multi-buy discounts?

Yes, we do offer multi-buy discounts. 

We cap our fees at £100 per person for any products bought through us at any one time.

For example, if you are buying more than 4 life insurance policies, transferring more than one pension into a new pension or buying several investments then you will make additional savings through Cavendish Online.

For more information please email info@cavendishonline.co.uk 

Alternatively, please call:

 03456 44 25 44

What is your fee refund policy?

Our fee refund policy is as follows: 

If you apply for Life Assurance through our website and your premium is increased due to health and/or lifestyle disclosures, or postponed by the provider, then you can apply to another company for no further fee*.

You can also ask us to refund your fee if you decide not to continue.

If your premium has not increased but you decide not to take up the policy we do not offer a refund. 

*If your application has declined or your premium has increased due to medical or lifestyle information, you should consider speaking to one of our advisers.

Call our advisers now on:

 01392 43 61 93

We will be able to help you and there is no fee for this service.

Our Trusted Brands

  • Zurich
  • Legal And General
  • Aviva
  • AIG
  • Beagle Street
  • Canada Life
  • Cavendish Life Cover
  • LVE
  • Royal London
  • Vitality Life

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