Why should I use an insurance broker or middleman and pay them a commission when I can go direct? It is very simple Independent Advice. How many of you know how much you have to pay if you have a claim? Your Excess? When you bought on line how clear was that term made? The answer is that most brokers can compete with on line websites but do not quote a ridculous excess which would be unfair. A website will ask if you have read terms and conditions but a broker will explain them. A broker is the expert and just like you take your car to a mechanic or receive a haircut at the hairdressers so you should take your insurance questions and needs to an insurance broker.