Independent intermediaries are responsible for the advice they give and for arranging your insurance. They have agencies with a range of different insurance companies and recommend policies most suitable to your needs. Their first duty is to you as their client. When you buy direct from an insurer or through a company agent of the insurer, the insurer accepts responsibility for selling the policy. The policies must be suitable for your needs.
Insurers support a Code of Practice for the selling of general insurance.
Avoid influencing you. They must make it clear that the answers and statements you give in the proposal form are your responsibility. Where relevant, contact the insurance company for specialist advice. Give you all documentation relating to the insurance, including the policy and the insurer's own renewal notice. Explain all the essential provisions of the insurance, important restrictions and exclusions to ensure the policy meets your needs.