Compare the difference

Using Money Minder's online quote system provides you with unprecedented choice and transparency when deciding how to meet your financial planning needs. Four price options are displayed side by side, giving you a clear understanding of the savings that can be made if you're comfortable to make a decision without professional advice. If you would prefer to speak to an independent financial adviser before you buy, it's easy to see the difference in cost of getting advice, either over the phone or face to face.

Flat Fee

As we are not providing you with any advice about the suitability of the plan you are purchasing, we give up all the initial commission that we would normally be paid and instead charge you a one off fee of £30 to process the paperwork. All of the commission that is given up is used to reduce the premium that you would normally have to pay.

This option is cheaper than going directly to the provider.

Minimum Hassle

By buying online you gain full access to our online discount. As an independent financial advisers we are able to offer products from across the breadth of the market place, helping you to find the policy that best suits your needs for the best price.

Because at no point have you spoken to a financial adviser this process does not qualify as formal financial advice, and as such you cannot claim any protection from the financial ombudsman authority.

However, if you feel comfortable with the information you have received and you are happy you now know what it is you want, you can take advantage of our online discount and proceed to our online market-place.

Over the Phone

By buying over the phone you are entitled to a discount, but this will not be to the same extent as that available online.

As an independent financial advisers we are able to offer products from across the breadth of the market place, helping you to find the policy that best suits your needs for the best price and you will be able to ask a qualified financial adviser any questions you may have about your policy.

Because you speak to a financial adviser, but do not undergo a formal consultation at any point an over the phone consultation only represents limited financial advice. This is however sufficient to ensure that you are protected by the financial ombudsman authority.

Face to Face

By buying through a face-to-face consultation you receive full financial advice which entitles you to full protection from the financial ombudsman authority.