Cavendish Online was founded in the year 2000 with a bold new approach to the life insurance market to provide customers with our lowest possible premiums, from many of the country’s top insurers. This innovative approach, combined with their reputation for providing outstanding levels of customer service, made them both welcomed within the industry and endorsed by a number of consumer champions.

Over 20 years on, Cavendish Online remains committed to the relentless pursuit of customers' best interests and are guided by their core values of Quality, Value and Transparency.  

So, what does this mean for you?

At Cavendish Online, we pride ourselves on putting you first. 

Whether you decide to apply via the Cavendish Online website, or if you choose to speak to our Guidance or Advice team over the phone; you are in charge of the process from start to finish. We will be on hand to help, with no query too big or small to answer. 

We appreciate the person that knows what is most important to them and what they would like to protect, is you. With three different routes to apply for life insurance, we are confident that we can provide quality options and solutions for your protection needs, whatever they may be. 

Protecting families, incomes and businesses is our priority. Should you wish to speak to one of our experts for more information and quotes then you are more than welcome to do so, with no upfront fees and nothing being paid to Cavendish Online until you decide to apply for and start your policy (at which point, we would receive some commission from your chosen insurer). 

Let’s dig a little deeper into our core values of Quality, Value and Transparency and what each of those values means to us.

The Core Values of 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


Cavendish Online strives to provide a high quality experience for all of our customers, and are committed to continually improving how we operate on a day to day basis. 

To Cavendish Online, quality means:

  • Quality Products, Insurers and Policies - We work with the country's top insurers to ensure our customers can access a wealth of different products and policies, so you can rest assured you can have the cover you need from a reputable company.

  • Quality Advice and Expert Knowledge - Our team of friendly and professional insurance advisers and protection consultants undertake regular training sessions (CPD) on different products, insurers and financial concepts.

    Cavendish Online is also proud to support our staff in obtaining further qualifications through the Chartered Insurance Institute - when you speak to the team, you are being looked after by the experts!

  • Quality Customer Service - Regardless of which of our three routes to apply for life insurance you choose, we are on hand to help if you need us. Our entire team, from our expert protection advisers and consultants, to our fantastic administrators want you to be confident that you have the right policy set up in the right way.

We are also firm believers that when it comes to Life Insurance and personal protection, quality does not mean you have to pay well above the odds for your cover. In fact, at Cavendish Online we believe that Quality goes hand in hand with Value...

Products & Services from the leading financial brands

  • Zurich
  • Legal And General
  • Aviva
  • AIG
  • Beagle Street
  • LVE
  • Royal London
  • Vitality Life
  • Virgin Money
  • Budget Insurance
  • Scottish Widows


We value each and every customer that chooses to use our services. Through all our departments, you will receive nothing but excellent customer service from our friendly, professional and helpful experts. Not only that, but if you look at good old fashioned value for money, we offer industry leading services for a fraction of the cost of our competitors.

Here is what you can expect from each of our routes, value wise, in terms of our fees:

Route 1 - Online:

A quotation tool primarily designed for clients who know exactly what they are looking for. You are largely left to your own devices (i.e. you choose how much and how long you’d like your policy to be, as well as your insurer and policy type), but we have an expert support team on hand if you have any queries whatsoever.

How we are paid: When you apply online you can either pay a one-off £25 fee and we take no commission from the Insurer OR choose the ‘no fee’ option where the Insurer will pay us a small amount of commission instead.

If you select the fee based option, the fee payable will be due once your policy goes live. If you choose the ‘no fee’ option, Cavendish Online would receive commission from your chosen insurer only once you have decided to purchase the policy.

Route 2 - Guidance:

For customers who have a good idea on what they would like to have in place, we offer our industry leading guided service. Keeping you in the driving seat, our consultants will run you through potential scenarios and suggest products to combat areas where you may be vulnerable. You then choose if and what you would like to proceed with. 

How we are paid: Cavendish Online will receive some commission from your chosen insurer, for the work that we do. We sacrifice a proportion of this commission to bring costs down for you and to keep our monthly prices lower than going direct or through another broker. We are only paid commission by your insurerif you decide to purchase a policy.

Route 3 - Advice: 

Our most comprehensive service, perfect for customers who aren’t sure on what they need to have in place, or what kind of products are out there. The initial call takes about 15-20 minutes, then your adviser will take a few days to conduct research and provide a tailored report indicating areas of risk in your lifestyle and how to protect them with certain policies. For this reason, our advised route is also best if you have a pre-existing medical condition as this can be addressed in their research.

How we’re paid: Cavendish Online will receive some commission from your chosen insurer, for the work that we do. We sacrifice a proportion of this commission to bring costs down for you and to keep our monthly prices lower than going direct or through another broker. We are only paid commission by your insurer if you decide to purchase a policy.

DID YOU KNOW?  Our Guidance and Advised teams will consider price matching any valid quotation you receive from other brokers on a like for like basis (if we aren’t already the cheapest)!

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


Knowing how much you are going to pay for a service is important, which is why we are upfront and transparent about all our fees and/or commission and level of service. 

For example, if you were to choose to apply through our website, you would be benefiting from using one of the cheapest routes to buy life insurance in the UK. However, it is the cheapest route available through Cavendish Online as all of the decisions regarding your policy are all made by you. You would still receive top quality support from our UK based team if you needed some help with the process - but generally speaking this route is much more ‘hands off’ than the other two.

Another thing to consider is that you can only purchase basic Life Insurance, and Critical Illness Insurance through the Cavendish Online website. So if you are interested in any of the other products we offer, you will need to speak to one of our experts. 

Our Guidance and Advice services are fantastic for those wanting to complete their Life Insurance quotation over the phone, anyone who has a more complex medical history, dangerous occupations and hobbies, or those who are simply unsure of what the best options are for their current situation. Through these two routes there is no upfront free, so you can have a chat with one of our experts and receive quotations, with no obligation to proceed if you don’t want to. 

You can also access a lot more products and insurers through these routes than you can through the website (Income Protection, Accident and Sickness, Whole of Life, Business Protection, Private Medical Insurance) and our Advice service operates on a ‘whole of market’ basis, meaning they can consider all options to ensure you get the best cover for your needs, whatever they may be.

Whilst the Guidance and Advice routes to apply for cover operate on a commission based basis, they are much more involved in the process of securing your cover and ensuring you get the best policy tailored to your needs, set up correctly. The commission that Cavendish Online would receive should you proceed with a policy though the Guidance or Advice routes effectively pays the adviser or consultant for the work that they do in supporting you. 

Ultimately, we strive to change perceptions of the insurance industry every day, not only by being transparent with how we get paid if you use our services, but by trying to make life insurance accessible to as many people as possible. 

We also try to use jargon-free language where we can in our communications, and have tried to design our email correspondence and reports in such a way that they are easy to digest, in readable fonts. Most importantly, we welcome feedback from our customers if they have any suggestions on how we could improve. 

Should you have any questions whatsoever when it comes to the services we provide and how we will get paid for providing them then please do not hesitate to contact us and we will be more than happy to help.