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.

Oxford - Commercial

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

Call us on 01865 253 870 Get a quote trending_flat

distance Find your local branch

Call your local branch

01865 253 870

Oxford Commercial

107 High Street,
Oxford,
OX1 4DA

T: 01865 253 870

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 Michael Foord

Your Oxford 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.

Your commercial office is ready to help

We have a team of industry experts with a specialist knowledge of all things business insurance. Whatever your business makes, sells or distributes, of the service you provide, we have an insurance solution for your bespoke needs and are equally able to provide expert advice for larger corporate businesses.

We at Howden are proud of what we’ve managed to achieve over the years, and not just on a national scale, but also throughout local communities across the UK.

Whether it be supporting local charities, advertising a local ‘business of the week’ in our branch windows, or participating in community events, our commercial team knows how important it is that we fully integrate ourselves within the areas surrounding our Howden branches.

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