Broker vs Going Direct — What’s the Difference?

When you buy insurance directly from an insurer, you are relying entirely on your own knowledge to choose the right product. You get what’s on the shelf, and when things go wrong, you navigate the claims process alone.

When you use an insurance broker, the dynamic is completely different. A broker works for you — not the insurer. Their legal duty under the Corporations Act is to act in your best interests. They assess your specific risks, compare products from multiple insurers, and advocate for you when you need to make a claim.