we applied through the uk gov site when I did it about 4 years ago, I have no idea if they have outsourced some of the work to India now, but it is still on behalf of UK immigration if they have.
Most Thai people don't, but if you read his post his gf clearly seems to have the credentials, which is why I suggested it.
Just because I have done the visa before does not mean that I heeded the advice I gave about not mentioning himself in the process, that was indeed someone else's experience and why I explained that I only read avout it. I don't know how true it is from personal experience.
It does make some sense, as instead of immigration having to check all about their relationship and whether she is likely to overstay etc. She would be viewed as a tourist with every reason to return and no reason to stay in the uk?
I had about 7 or 8 banks that either completely refused or insisted on the insurance before I found 1 that would open without insurance, so it's not inconceivable he might hit that brick wall and have to compromise.
Nobody said it was a requirement ( it definitely is not) they are just effectively taking a sort of bribe.
I checked a few branches when I opened my account and all but one were insisting on the insurance. Luckily I found one that opened the account without.
If all the branches near you insist, see what the lowest price insurance you can get and decide if that's better than paying an agent.