Brokers tend to use a panel of insurers to find the best deal for you. However you need to be aware that they will receive commission for any sale, so sometimes you may get a cheaper quote direct from a second home hsbc insurance.
No one can tell what is going to happen tomorrow, the best you can do is to protect yourself financially from what could happen. A second home hsbc insurance will at least offer a financial safety net, should the worst occur.
Many offer discounts for first time buyers of their insurance products, which is then never repeated. You can save money by switching companies each year and benefiting from new insurance deals. However, you must make sure you are still adequately covered with your new second home hsbc insurance.
