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The Home Insurance market in the UK
Insurance companies produce different home and house insurance policies to serve different markets and sales 'distribution channels', at greatly varying rates.
These channels are:

1. The Internet Market
2. The Direct Telesales Market
3. The Insurance Broker Market
4. Independent Financial Advisor Market
5. Tied Agent Market and Affinity companies
6. Banks Mortgage Lenders and Building Societies

The products designed for each of these markets can offer very similar home insurance covers, but will vary greatly in the way they are rated and consequently in the premiums you pay.

Furthermore, any company or agent you approach is highly unlikely to tell you that the 'same' cover is available from a different sales source, in some cases for up to half the premium cost .

Next >> Why premiums vary so much!
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