Probably not. Usually the call centre staff provide ‘General Advice’. This type of ‘advice’ does not take into account your personal circumstances. The staff have a duty to their employer (the insurer) and not to you as the customer. They are often reading from scripts and have limited knowledge outside of the insurance products their firm sells. They won’t tell you is there is a better product available from a competitor. You are better off with ‘personal advice’, provided by an insurance broker or adviser whose duty is to you as the client.