Mr. Paul Carty:

They will have to be trained up and will have their APA accreditations. They will listen to what one's requirements are and carry out an analysis of them. Having done this they will inquire of their computer system or, more typically probably, computer relay, enter the details and be provided with the names of the various insurers the broker can offer. I might be listed as just one of those. The broker will then try to select the best deal.