Cavendish Online was established in 2000 with the aim of revolutionising the broker model, which was perceived to be overcharging clients for life insurance policies.
With these Cavendish life insurance types in mind, let’s examine the essential details of this provider.
Fill in the form below for a FREE, no obligation quote now.
Cavendish Online was established in 2000 with the aim of revolutionising the broker model, which was perceived to be overcharging clients for life insurance policies. The core principle of their service was to offer customers the best possible value by implementing flat fees instead of commission-based charges.
This article provides a review of Cavendish’s life insurance products.
Contents
What types of life insurance plans does Cavendish offer? They specialise in three primary policy types designed for specific life scenarios, covering death, critical illness, and protection against sudden inability to work.
Let’s explore each of their main plans in more detail below.
A Life Assurance policy is a life insurance plan that provides a lump sum payment to a designated beneficiary if the policyholder dies within the agreed term. Cavendish offers both fixed-term and whole-of-life insurance options to safeguard families and loved ones from financial hardship in the event of an unexpected death.
Cavendish’s Critical Illness policy provides a lump sum payment if the policyholder is diagnosed with a critical illness listed in their specific plan. This coverage payout is triggered by a diagnosis of a serious illness, not necessarily by the inability to work.
Income Protection is a distinct policy that offers the policyholder a monthly benefit if they become unable to work due to illness or injury. This coverage is designed to protect families financially from income loss. However, it’s important to note that there can be a waiting period before payments commence.
With these Cavendish life insurance types in mind, let’s examine the essential details of this provider.
Key features of Cavendish life insurance policies are summarised below.
| Cavendish policy payouts are triggered by: | Death of the policyholder, diagnosis of a listed critical illness, or inability to work. |
| Policy Options: | Fixed Term (level term, decreasing term, increasing term) / Whole-of-Life Insurance |
| Policy Coverage: | Single / Joint Coverage |
| Terminal Illness Cover: | Yes |
| Critical Illness Cover: | Yes |
| Minimum Entry Age: | 18 |
| Maximum Entry Age | 79 |
| Guaranteed Insurability: | Individuals with a healthy lifestyle, specifically non-smokers, light drinkers, and those with a minor medical history, are highly likely to have their applications approved. |
Now, to assess the quality of Cavendish’s products, let’s examine their most popular policy and analyse its core benefits and key considerations.
We compare plans from the leading life insurance providers
Cavendish’s plans are recognised for the following standout features, both highlighted by the company and confirmed by customer feedback.
Let’s now consider the key points of the policy as indicated by customer feedback.
Immediate customer feedback regarding the Cavendish Life Assurance policy highlights the following:
These key points underscore the positive customer experiences with the Cavendish Life Assurance Policy. Now, let’s review official and expert ratings to gain a broader perspective on Cavendish’s service.
Two main review platforms offer a comprehensive view of Cavendish’s service and products: Trustpilot, which aggregates verified customer feedback, and Defaqto, which provides peer-reviewed insurer ratings.
See below for further details.
Based on a large number of reviews on Trustpilot, Cavendish Online has achieved a high score of 4.9 out of 5 for customer feedback. The table below shows the distribution of these reviews.
| Rating | Percentage of Feedback |
| Excellent | 88% |
| Great | 7% |
| Average | 2% |
| Poor | 1% |
| Bad | 2% |
Negative reviews have pointed out issues such as Cavendish’s tendency to make cold calls at inconvenient times and slow after-sales service. Another recurring point was that while the website simplifies applying for a life insurance policy, contacting an advisor could sometimes complicate the process.
The Defaqto rating, which is based on various industry benchmarks and regularly updated by experts and peers, assesses the quality of life insurance policies. Cavendish currently holds a 2 out of 5 stars rating for their service, which is lower than some competitors.
Cavendish receives overwhelmingly positive feedback concerning their application process and customer support. Their modern approach, featuring an intuitive website and personalised service to tailor suitable policies, is clearly appreciated by customers.
The primary concern raised about Cavendish relates to after-sales support following policy purchase. Some customers have reported delays in receiving responses to queries or obtaining necessary paperwork to finalise policy applications.
However, the widely recognised value of Cavendish’s products is a significant advantage, with more competitive pricing compared to many other providers. To determine if Cavendish Life Insurance is the right choice for your needs, it is recommended to seek further information from expert brokers.
| Type | Plan name | Rating |
|---|---|---|
| Life assurance (level term) | Cavendish Life Cover | 2 |
