Cavendish Online

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, significantly reducing the premium you pay for life insurance.

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.

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 or buying several investments then you will make additional savings through Cavendish Online.

For more information please email [email protected]

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.

How much will advice cost?

We will receive commission from the insurance provider if you take out a policy.

We have reduced the commission amount we receive so that you will receive a considerably lower premium.

This route is still cheaper than going to any comparison site.

About Cavendish Online

A Life insurance discount broker – providing lower premiums for our customers

We achieve these lower premiums by charging a small fixed fee or a reduced commission and have consistently been commended by consumer champions as a way to save money when buying life insurance.

About Cavendish Online

Our Fees

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

Quote & Apply Online

Fee Based

Commission Based

Quote & apply with guidance

No fee is payable

Quote & apply with advice