An insurance broker’s job is to help you to deal with the complex questions which insurance raises. Insurance brokers provide convenience, choice and expertise. Convenience, because one insurance broker can normally handle all the insurance policies you need. Choice, because an insurance broker deals with a range of insurers and will suggest the contract which best fits your particular circumstances. Expertise, because insurance brokers spend their working lives learning about insurance; they know far more about it than you have time to learn. I’m concerned I’m only being sold policies with high commission. It’s not in the insurance broker’s interest to do that. He wants to keep you as a client for many years, and he won’t if you find out he’s sold you an unsuitable policy for the sake of a higher commission. If you’re really worried about this, you can ask the broker to explain several different policies to you.