Paul O’Gorman, group director at Quoteline Direct, said: ‘There is a big difference between a broker and an insurance company. An insurer is likelier to give a fixed cost from a computer, while a broker is able to negotiate premiums with the insurer.
‘This is particularly important and relevant if you have had an accident or a conviction in the last couple of years. Some insurers may brand six points on your licence as reckless. However, there may be an excellent driving history behind you that we believe should also be taken into account when deciding on the premium amount.
‘Ignorance among drivers means that some will be
paying over the odds for their insurance.’