AddVantage can assist in obtaining competitive “motor” insurance quotes in order to alleviate the difficulties sometimes associated with obtaining cover which can occasionally be difficult, expensive and sometimes even unavailable. This is due to the UK rating system, which is based on past records and place of residence. The UK motor insurers are split into two types, the so called 'Direct Insurers' and those that sell through Insurance Brokers. An Insurance Broker is independent and will obtain quotes from a number of different Insurance Companies and give you the best option, bearing in mind the cover provided, the service on claims and the premium level. Insurance Brokers also represent you on claims where there are complications or problems. They act as your agent and are there to help you.