Hi there - In defense  of the poor old misunderstood insurance broker (yep, I have one to thank for my superannuation payout!!) - they can only quote CTPs for the agencies that they hold.  ie. if they are not an agent for NRMA, they can not quote NRMA (this applies to general insurance also). It is not necessarily a case of not getting the best price for you - it is getting the best price from the insurers that they have Underwriting Agreements with.  Some CTP insurers only deal direct with the public. As neilnruth said - easiest to go online and compare and buy.

Cheers

Brokers generally do come in more expensive than going direct. First - they are competing with insurers who operate online, or through the local bank or building society and the majority of these have lesser levels of cover and do not have the overheads and second there is that great little thing called a broker fee which can be anything from $0 to $500 depending on the type of insurance and the input and work needed to place the insurance. Where brokers come into their own is with business insurance and more so the "corporate" or high risk insurances, for example, caravan parks, amusement and tourist places. Many brokers do not like the mums and dads insurances (home and motor) because in todays economic climate people are happier to reduce their insurance coverage to save money and do shop around alot. Many brokers now days preferred to only accept home and motor insurance if there is commercial insurance involved or the person was an existing client.  The work involved in doing the home and motor insurance was not worth the small income from it from commission and the broker fee.  One thing is certain - if there is a problem claim, I would rather have a broker fight for me than do it myself!  like everything in life, there are pros and cons.

Cheers,