What are the benefits of using a broker?

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. At Howden, we take the time to understand your situation, explain your options clearly, and recommend cover that fits your needs. We also offer access to niche products not found on comparison sites, like cover for modified cars, motor gliders, or art collections. We also help with claims, speaking to insurers on your behalf to ensure fair handling.

What's the difference between an insurance company and a broker?

Insurance companies create and underwrite policies, taking on the financial risk and offering their own products. Brokers work independently with multiple insurers, offering advice and comparing options to find the most suitable cover for your needs. Brokers are more flexible and impartial, helping you make informed decisions.

Are insurance brokers legal?

Yes, insurance brokers are legal and regulated in the UK. They must be authorised by the Financial Conduct Authority (FCA), which ensures they meet strict standards for professionalism, transparency, and customer protection. You can check a broker's authorisation on the FCA register.

Is a broker the same as an agent?

No. 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 and offer more choice and tailored advice.

What is a third party insurance broker?

A third party insurance broker helps you arrange insurance with a provider but isn't the insurer themselves. They act as an intermediary, offering expert advice, simplifying the process, and assisting with claims, policy changes, and renewals. Their independence allows for more flexibility and market comparison.

Do companies use insurance brokers?

Yes, many businesses use insurance brokers to manage complex commercial insurance needs. Brokers like Howden help tailor cover for property, liability, cyber, fleet, and industry-specific risks. They also support risk management, claims handling, and regulatory compliance.

Luton - Commercial

The Howden Luton business and commercial office is proud to serve business clients in your area as your local business insurance broker.

Call us on 01582 733 757 Get a quote trending_flat

distance Find your local branch

Call your local branch

01582 733 757

Luton Commercial

Suite A2,
Building 210,
The Village
LU2 8DL

T: 01582 733 757

Opening times

Monday : 08:30 - 17:00

Tuesday : 08:30 - 17:00

Wednesday : 08:30 - 17:00

Thursday : 08:30 - 17:00

Friday : 08:30 - 17:00

Saturday (Phone Only) : 09:00 - 12:00

Sunday : Closed

Closed on Sundays and public holidays

Meet Ethan Smart

Your Luton Commercial Branch Manager. Get the right cover at a great price! Put our local team to the test to see how we can help you.

Howden Insurance Luton Branch - Update

We're pleased to welcome customers to our new Luton branch.

Our team is here to provide the friendly, personal service you know and trust, whether you need help with a claim, renewal, new quote or general insurance advice. As your local insurance broker, we're committed to helping individuals, families and businesses find insurance solutions that meet their needs.

You can visit us at our new branch location, call us or get in touch by email:

Address:

Suite A2, Building 210, The Village, Butterfield Business Park, Luton, LU2 8DL

Phone Number:
01582 733 757

Email:
luton.pl.clients@howdeninsurance.co.uk

Our experienced team can assist with a wide range of personal and commercial insurance needs, taking the time to understand your requirements and helping you find cover that's right for you.

We're proud to continue serving customers across Luton and the surrounding areas, providing local expertise backed by the resources of one of the UK's leading insurance brokers. Whether you prefer to speak to us in person, over the phone or by email, we're here to help.

Thank you for your continued support. We look forward to welcoming you to our new Luton branch.

Why choose Howden?

You can trust us – we’re rated Excellent on Trustpilot.
We’re driven to save you time, money, and hassle.
Benefit from an advised sale that other insurers can’t provide.
Speak with your local commercial office, within your business community.
We’re right by your side in the event of a claim.

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