How to get the best insurance deal

Cheaper insurance isn’t about one clever trick — it’s a short routine you run at each renewal. Here’s the checklist.

The checklist

1. 1
   Compare like-for-likeSame cover level and excess. Check more than one comparison site — none covers the whole market — plus any big insurer that isn’t listed.
2. 2
   Never just auto-renewRead the renewal notice (it shows last year’s price next to this year’s) and treat it as negotiable.
3. 3
   Set a sensible excessA higher voluntary excess cuts the premium — but only pick an amount you could afford to pay if you claimed tomorrow.
4. 4
   Pay annually if you canMonthly payments usually add interest. Paying once a year is typically cheaper overall.
5. 5
   Drop add-ons you don’t needKey cover, courtesy car, legal cover — useful for some, wasted for others. Don’t pay for cover you already have elsewhere.

In short

Compare like-for-like across several sources, don’t auto-renew blindly, set a voluntary excess you could afford, pay annually to avoid interest, and cut add-ons you don’t need — all while giving completely accurate information, because a detail fudged to save money can cost you the whole claim.