Howden Insurance Brokers - Luton

Using a broker gives you access to expert advice, a wider choice of policies, and support that’s genuinely on your side. Unlike insurers who only offer their own products, brokers work with a range of providers to find cover that suits your specific needs. That means you’re more likely to get the right level of protection at a fair price. 

At Howden, we don’t just compare quotes. We take the time to understand your situation, explain your options clearly, and recommend cover that fits your needs. Whether you’re insuring your first car, your home, or something more specialist, we’ll guide you through the process and make sure you’re not paying for things you don’t need. 

You’ll also find that many specialist insurance products aren’t usually advertised on mainstream comparison websites. So, whether it’s for a modified car, a motor glider, or an art collection, our brokers can help you find the right cover. 

And if something goes wrong, we’re here to help with claims too. We’ll speak to the insurer on your behalf, chase things up, and make sure your claim is handled fairly.  

Find out more here: What is an Insurance Broker? 8 benefits of using an insurance broker

Insurance companies (also known as insurers) create and underwrite insurance policies. That means they take on the financial risk and are responsible for paying out claims if something goes wrong. They offer their own products, set their own prices, and manage the terms of the cover. While this can be straightforward, it often means you're limited to just one set of options. 

Insurance brokers, on the other hand, work with a range of insurers and act independently. Think of them as the middleman, working on your behalf to find you the most suitable cover. Brokers can compare multiple products, offer advice, and help tailor your policy to your needs. This difference matters because it affects the level of choice and guidance you receive. Since brokers aren’t tied to one provider, they can be more flexible and impartial, helping you make an informed decision. This way, you’re more likely to end up with cover that genuinely fits your circumstances.

Are insurance brokers legal? 

Yes, insurance brokers are legal and regulated in the UK. To operate, brokers must be authorised by the Financial Conduct Authority (FCA), which ensures they meet strict standards for professionalism, transparency, and customer protection. This regulation helps maintain trust and accountability across the industry. 

If you want to check whether a broker is authorised, you can search for them on the FCA register. This will show whether they’re properly licensed and give you details about their permissions. It’s a good idea to check before buying a policy, especially if you’re dealing with a new or unfamiliar broker.

Is a broker the same as an agent? 

Not quite. An agent usually represents one insurer and sells their products. A broker represents you, the customer, and searches across multiple insurers to find the right cover. Brokers are independent, which means they’re not tied to one provider. That gives you more choice and a better chance of finding a policy that suits your needs and budget. In short, an agent works for the insurer, a broker works for you.

A third party insurance broker is someone who helps you arrange insurance with a provider but isn’t the insurer themselves. They act as an intermediary, connecting you with the right insurer and helping you choose a policy that suits your needs. Their role is to simplify the process, offer expert advice, and make sure you understand what you’re buying. 

Third party brokers can also assist with claims, policy changes, and renewals. Because they’re not tied to one insurer, they can offer more flexibility and a broader view of the market. This makes them especially useful if you’re looking for specialist cover or want to compare options before committing.

Yes, many businesses use insurance brokers to manage their commercial insurance needs. Businesses of all shapes and sizes often face complex risks, and brokers like Howden help them navigate the options and build cover that’s tailored to their operations. This might include property, liability, cyber, fleet, or industry-specific insurance, depending on the nature of the business. 

Brokers also provide ongoing support, helping businesses adapt their cover as they grow or face new challenges. They can advise on risk management, claims handling, and regulatory compliance, making them a valuable partner in protecting the business. For many companies, working with a broker is a practical way to save time, reduce risk, and ensure they’re properly covered.