Save money on your car insurance
Car insurance prices vary a lot between insurers. A little checking before renewal can lower your premium.
3 quick wins
- Never let your policy auto-renew — always get new quotes first.
- Shop around about 3–4 weeks before renewal; last-minute quotes are often dearer.
- Pay annually if you can — monthly payments often include interest.
Get your details right
- Give an accurate yearly mileage — lower mileage can mean a lower price.
- Describe your job accurately; small wording differences can change quotes.
- Tell the truth — wrong details can mean claims are refused.
Adjust your cover
- A higher voluntary excess lowers the premium — but only choose what you can afford.
- Remove extras you don't need, like breakdown cover you already have elsewhere.
- Fully comprehensive can sometimes be cheaper than third party — compare both.
Make yourself lower risk
- Park off-road or in a garage overnight if possible.
- Adding an experienced named driver may lower costs for young drivers.
- Consider a black box (telematics) policy if you're a careful driver.
Protect your no-claims
- Build up your no-claims bonus — it's one of the biggest discounts.
- For small repairs, compare paying yourself against claiming.
Mistakes to avoid
- Auto-renewing without comparing.
- Fronting — listing yourself as main driver when someone else is. It's fraud.
- Choosing an excess you couldn't pay after an accident.
More helpful guides
- Reduce your car insurance costs
- Car insurance renewal guide
- Best time to buy car insurance
- All money-saving tips
These are general tips, not financial advice. Always check prices and terms with the provider before you buy.
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