{"id":22,"date":"2026-10-27T20:31:17","date_gmt":"2026-10-27T20:31:17","guid":{"rendered":"https:\/\/elementor.ltheme.com\/lt-insurance\/faqs\/"},"modified":"2026-10-27T20:31:17","modified_gmt":"2026-10-27T20:31:17","slug":"faqs","status":"publish","type":"page","link":"https:\/\/elementor.ltheme.com\/lt-insurance\/about\/faqs\/","title":{"rendered":"FAQs"},"content":{"rendered":"\t\t
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FAQs<\/h1>\t\t\t\t<\/div>\n\t\t\t\t
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How a broker is paid, and questions about home, car, travel, life and business cover.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/section>\n\t\t

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Questions we are asked<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
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Grouped by kind of cover. If yours is not here, call the office.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Working with a broker<\/h3>\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tDoes a broker cost more than buying direct?<\/a>\n\t\t\t\t\t<\/h3>\n\n\t\t\t\t\t

Usually not. We are paid a commission by the insurer, which is built into the price; we tell you the amount before you buy. Some policies carry a small arrangement fee, and we say so first.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tWhich insurers do you work with?<\/a>\n\t\t\t\t\t<\/h3>\n\n\t\t\t\t\t

A panel of about twelve insurers (sample). We tell you which ones we asked for your quote and why we recommend one.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t

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Home and car<\/h3>\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tIs my bike or laptop covered away from home?<\/a>\n\t\t\t\t\t<\/h3>\n\n\t\t\t\t\t

Only if your contents policy includes personal possessions cover. We check the single-item limit with you.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tCan I add a young driver to my car policy?<\/a>\n\t\t\t\t\t<\/h3>\n\n\t\t\t\t\t

Yes, as a named driver. It changes the price, so we compare a few insurers for that combination.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t

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Travel, life and business<\/h3>\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tI have a medical condition. Can I get travel cover?<\/a>\n\t\t\t\t\t<\/h3>\n\n\t\t\t\t\t

Often yes, but it must be declared. We help you answer the medical questions and find insurers who cover it.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tDo I need business insurance if I work from home?<\/a>\n\t\t\t\t\t<\/h3>\n\n\t\t\t\t\t

Your home policy may not cover business equipment or visitors. Tell us what you do and we check both policies.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/section>\n\t\t

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Get a quote in one conversation<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
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Tell us what you want to cover and when your current policy ends. An adviser calls you back within a working day.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tAsk for a quote<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":19,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-22","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/elementor.ltheme.com\/lt-insurance\/wp-json\/wp\/v2\/pages\/22","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/elementor.ltheme.com\/lt-insurance\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/elementor.ltheme.com\/lt-insurance\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/elementor.ltheme.com\/lt-insurance\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/elementor.ltheme.com\/lt-insurance\/wp-json\/wp\/v2\/comments?post=22"}],"version-history":[{"count":1,"href":"https:\/\/elementor.ltheme.com\/lt-insurance\/wp-json\/wp\/v2\/pages\/22\/revisions"}],"predecessor-version":[{"id":23,"href":"https:\/\/elementor.ltheme.com\/lt-insurance\/wp-json\/wp\/v2\/pages\/22\/revisions\/23"}],"up":[{"embeddable":true,"href":"https:\/\/elementor.ltheme.com\/lt-insurance\/wp-json\/wp\/v2\/pages\/19"}],"wp:attachment":[{"href":"https:\/\/elementor.ltheme.com\/lt-insurance\/wp-json\/wp\/v2\/media?parent=22"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}