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WHEN it comes to buying insurance, we're not exactly lacking in choice. Direct insurers, broker services - even the supermarkets are at it, offering insurance for everything from your car to your life.

Hotel Booking So where should you shop for one of the most important purchases you'll make? Here are just a few reasons why the smart money's on independent brokers.

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Travel Agency 1. Lower expenses mean lower premiums

With Dial Direct there is no need for an insurance broker as the broker can take between 12.5% and 20% of your total insurance payments in commission, plus additional administration fees. So why pay somebody to do something that you can so easily do yourself By going direct you can save on costs, and what's more, you benefit by dealing directly with your insurer.

Cheap Hotel Sometimes it feels like it's impossible to switch on TV without seeing an advert for a direct insurance company: you can probably name a few right off the top of your head. Those adverts cost money, though - often a lot of money - and those costs have to be recouped somehow. If you buy from a direct insurer, then, you may end up paying for more than just insurance: you could be paying for that expensive marketing campaign, too.

With Dial Direct there is no need for an insurance broker as the broker can take between 12.5% and 20% of your total insurance payments in commission, plus additional administration fees. So why pay somebody to do something that you can so easily do yourself By going direct you can save on costs, and what's more, you benefit by dealing directly with your insurer.

Flight Booking 2. Instant access to competitive quotes

Arranging your travel insurance with Essential Travel is quick and easy, whether it's worldwide holiday insurance or European winter sports travel insurance. Our web site has been carefully designed to make the booking process quick, simple and to provide you with the information you need to buy the right policy.

Travel Agent Buying your insurance through an independent broker such as www.computerquoteinsurance.com means that you're not just relying on one person for your quote. Your broker will be able to search through a number of different insurance databases to find you the most competitive price. You find the best deal without having to spend hours calling around for quotes.

To call from U.S. 011+20+ Phone Number To call from Egypt to U.S.: 001 + Phone Number The electric current used in Egypt is 220 volts. You can purchase a converter at most hardware stores for appliances that do not switch to 220V You should consider the benefits of travel insurance as part of your Egypt travel planning. Most travelers look for travel tips that discuss the importance of travel insurance and travel insurance through AIG Travel Guard can provide important coverage for your trip.

Hotel Chicago 3. The human touch

Online Booking As larger insurers struggle to bring down their expenses, they typically use cost-cutting measures such as replacing staff with automated response units (the recorded message that answers your calls and invites you to key numbers into your phone to get the information you're looking for), or by outsourcing customer service to foreign call centres where the staff may not even be fluent in your language. An independent broker, on the other hand, places far more emphasis on the human touch: real people to talk to; named contacts, no passing of your call from department to department as each person struggles to deal with your enquiry.

Travel Health Insurance 4. Optional extras

Hotel Reservation Sometimes it's the hidden costs of insurance that really sting, for example the expensive add-on legal cover which you find out you have paid extra for only when you look at your documents or the breakdown cover that seemed too costly from your big insurance company. An independent broker, on the other hand, will often be able to negotiate low-cost deals for these added extras, which you can then add to your policy for a fraction of the price charged by larger companies. As an example, Computer Quote Insurance offer fully featured breakdown cover online at just £60 (a saving of up to £90 on some bigger national insurers) and up to £50,000 of legal protection for only £12 online.

London Hotel Booking So where will you go for your insurance? The advice most often offered is to shop around to find the best deal possible. While this is sound advice in theory, however, in practice it can mean spending hours on the phone or searching the Internet, and comparing offers. By using an independent broker, you get someone else to shop around on your behalf. You still benefit from the most cost-effective insurance you can find, but you're not the one who has to spend time actually finding it.

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Computer Quote Insurance is one of the UK's leading providers of car, life and travel insurance online. Instant quotes are available from the company's website at ComputerQuoteInsurance.com, or by phone on 0800 389 9949. Established in the South of England since 1979, Computer Quote Insurance offer low rates, customer-friendly approach and polite, prompt service to UK motorists. Computer Quote Insurance: by branch, by phone or buy online.

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