Insurance is never simple, its never black or white. Insurance is tricky and there is a lot of grey areas. A direct insurer allows you to act as your own broker and write your own policy. Unfortunately if you are not educated or schooled in the insurance industry, It will almost always have a negative effect.

Whereas your broker is skilled and educated within the insurance industry. Allowing your broker to provide you with the best information and advise available. A broker knows the industry and will always look out for your best interest.