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Change Personal Insurer

Compare Individual Insurance

Helping families compare their Health Insurance, Life Cover, Critical Illness, Income Protection and Equity Release options. 

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Compare Business Insurance

Speak to one of our Business Insurance experts to guide you through your renewal.

Compare Your Renewal

Compare Insurance Cover

Change Insurer exists to help customers find honest, independant advice that they can depend on. Insurers cannot legally give advice & many brokers are owned by an Insurer, so they can never be truly independent.

You need to speak to a whole of market intemediary who can compare insurance cover & be held accountable for the advice they have given. Change Insurer acts as a market intermediary to connect customers and insurance brokers. Each product type requires a unique specialist who has the most experience in that area of business. In order to get the best result, you need to compare insurance cover with the right adviser for the job.

Private Medical Insurance

Get access to fast diagnosis and the best specialist treatment at a time to suit you, we can help you compare private healthcare for your family or workforce.

Life Insurance

Giving you ultimate reassurance that your loved ones are taken care of when you no longer can. Our team will use our Life Insurance Calculator to find you the best Life Insurance.

Critcal Illness Cover

Pays out a cash lump sum when you are diagnosed with a life-changing condition so you can focus on getting better – We will help you find the best critical illness cover.

Business Insurance

Protecting your business & workforce from the unexpected – Make sure you have the cover you legally require. Our team specialises in Public Liability insurance and professional Indemnity cover. We can get you the best business cover for Staff, Premises, stock, tooling & liability.

Income Protection Insurance

Protect your monthly income if you’re unable to work due to accident, sickness and/or unemployment. Specialising in Self Employed Income Protection. We have experts on hand to find you the best income protection insurance

Equity Release

Helping homeowners to remain in the properties they love, whilst utilizing some of the value tied up in either a lump sum, or monthly income. We have a direct Equity Release Calculator on our product page and consultants on hand to give Equity Release advice.

Medical Insurance Providers

Life Insurance Providers

Business Insurance Providers

Change Insurer connects individuals and businesses with experts in the best Medical Insurance, Income Protection Insurance, Life Insurance, Commercial Cover, Critical Illness cover and Equity Release.
We do not charge a fee for our service & all the advice that is given will be backed up in writing as standard.

How to Compare Insurance Cover


Qualifying period

Is there an exclusion period at the start of the policy, how long will you be without cover?

Compare Insurance Cover

Make sure you shop around the market! be savvy, shop around and get advice.

Underwriting exclusions & Pre-Existing Medical History

Do you have any special terms of acceptance including exclusions for specific medical issues, activities or circumstances for payout?


Do you have to pay an excess, or contribute in the event of a claim?

Are the premiums fixed

Do they track the base rate, do they increase with age/each year/when claiming?

Expiry date

When will cover finish?

What is actually covered

Do you understand the treatment/conditions/circumstances can you claim for?


Are you paying too much for your cover?


Do you have everyone that you want to cover on the policy?


Have you read any small print?

Trusted Provider

Have you checked any independent review organisations or researched user feedback?

It may also be worth contacting https://www.fca.org.uk/ if you are concerned about your current Insurer or Broker


Have you recieved up to date advice from a specialist, to make sure you have the best policy for your personal circumstances?

Compare Insurance Cover Annually - do not auto-renew

‘Auto-renew’ is sold to us by Insurers as a hassle-free solution to manage your various policies. However, they are able to sneak increases into your renewal invitations without some customers reading the documentation.

Check the cost of your premium last year, has it gone up? chances are you are here because the answer is YES.

Make sure to compare the benefits of any new policy that you consider. These days, new policies can actually give you access to additional options, normally reserved for new customers.

Change Insurer can give you a quick indication on the competitiveness of your Insurance cover.

Unlike other comparison sites, we only work with Brokers and Independant financial advisers that can offer a true ‘whole of market’ comparison.

Change Insurer only works with Individual Brokers and Intermediaries. This means that you will get honest, impartial advice on the whole market – rather than just a reduced panel of ‘selected partners’.

Our Advisers are not owned or tied to an Insurer/Provider, unlike many other comparison sites and intermediaries currently available.

Change Insurance Testimonials

“By changing our business insurance provider, we were able to offer our employees private medical, dental and death in service life cover at no additional cost.

Thanks for putting me in touch with a great Broker – We will be back when our professional Indemnity cover is up for renewal – Thankyou”.

Mr Raspinall

Managing director, Adtech

“By Switching to an alternative life insurer, I was able to save over £900 annually and actually increase the amount of benefit available to my estate.
What’s more, i was able to have an exclusion removed due to improved health at the new point of underwriting”.

M Wilkinson


“My parent’s Medical Insurance Policy had come up for renewal and the increase was over 40%.
They were considering cancelling, however we were able to compare insurance cover with an alternative provider and stay in the market. We are also now looking at equity release on their property – so far, so good”.

S Willis

Daughter of Mr & Mrs Willis

Time To Take Up Private Medical Insurance?

IS IT TIME YOU SET UP PRIVATE HEALTH INSURANCE FOR YOUR FAMILY? Health service has to find £22bn in efficiency savings Plans are being drawn up that could result in cuts to NHS services across England.     NHS England, which needs to find £22bn in efficiency...

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Terms and Conditions

Change Insurer acts as an Introducer only. We do not give any advice or recommendations. We will share your enquiry with a independent specialist who is able to give you a whole of market, unbiased appraisal. We will choose the specialist that we believe can give you the best advice based on your enquiry. All advice issued by them will be backed up in writing along with your quotations & full disclosure documentation.

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