How to save money on your car insurance


Most people are aware that they should not just let their car insurance renew. Just like house and buildings every year, it is rare that your renewal will be cheaper than starting afresh. I have just taken out my car insurance and after recovering from the jaw drop of seeing how much my car has gone down in value, thought I’d give you some figures just to show you the importance of shopping around and not just using comparison websites. These are all quotes from today 11th October 2017

1st Central renewal quote £505.00
1st Central renewal online chat £490.00 (when stopping auto renewal online chat)
1st Central direct on website £473.95 (1st Central cheapest) £503.31 (AA cheapest) £393.91
Comparethemeerkat (MoreThan cheapest) £385.12
MoreThan direct on website £382.28
AA direct on website £348.31
AA through Topcashback £348.31 (minus £40 paid to Topcashback account

A saving of £196.69 (39%) of the renewal price. It is such a boring way to spend half an hour of your life, it really is, but how can you not do it when it saves this sort of money?

Topcashback* is a great cashback site. Go there before buying anything. Sign up and whenever you shop check Topcashback first, and if the store is listed click on the link and get cashback. Don’t rely on this though as there may be terms and conditions that you miss (such as using vouchers) negating the cashback. Other big cashback sites include Kidstart* (where the cashback goes to your nominated child’s bank account), Quidco* and Free fivers*. Others that I’ve not used are  Imutual, Give or take and there are others. It is worth signing up to a few as they all have different traders, different % cashback and different offers on at various times. Time consuming but worth it more often than not! £40 for taking an extra five minutes is quite a nice hourly rate (if only I could do it all hours!)

A dozen top tips

  • Last year, using a cashback site wasn’t cheaper, somehow in the system it knew so don’t think that after getting your cheapest quote you always get the cashback from the same price. Clear your cookies which may help!
  • Don’t completely disregard your renewal quote as most companies are nearly always open to haggling, I’ve yet to hear of anyone failing when they do this. Now I don’t know why I didn’t try it after getting the last quote. Fool.
  • I only went direct to the cheapest on each of the comparison websites
  • Some providers are only able to produce a certain number of quotations per customer, and after the limit has been reached, they will no longer be able to produce quotations online on some sites so don’t hundreds of tweaks!
  • You can always try changing your job title. I’ve heard of people getting cheaper quotes when changing “builder” to “construction” etc., but to be perfectly honest I’ve never seen a difference and of course it does still have to describe the job! But it may work with some insurers so do try it.
  • Save your details on the comparison websites so if you keep the car you don’t have to waste your time filling it all out again.
  • Look at deals that may work out cheaper if you switch your contents and building insurance  same provider and visa versa.
  • Check the additional add ons. Do you already have breakdown cover, is something already covered by your bank, travel or house insurance?
  • Pay up front rather than in instalments if you can as this is always cheaper
  • Adding a more experienced driver to your policy can reduce the premium
  • Check the excess, think about how much you could afford to pay and go with that, the difference between £50 and £100 excess can reduce the amount significantly
  • Don’t leave until the last minute, compare prices about 3 weeks before the renewal date and make sure you cancel any auto renewal!

Bonus tips!
After doing the quote and post I asked some fellow money bloggers for tips that I hadn’t thought of and now I wonder if I could have got it reduced even further!

Katy from KatyKicker  wrote about saving money on insurance and provides lots of tips, one being a really really good point! Check the policy! When you go through comparison websites check like for like, windscreen cover, legal cover, replacement car etc. And consider asking your current provider for a loyalty discount rather than just quoting competitors’ prices.

I never go for all the legal cover. But Emma from TheMoneyWhisperer has written about how to get free legal protection from Freelegalmotor and I’ve just signed up!

Emily from A Thrify Fox says she had an automated email thingy from telling her that Admiral was the cheapest for her.

Now this is a little known secret and is brilliant! Emma from Mumssavvysavings wrote a post about Reducing the cost of learning to drive and in it says that she got insurance from a company  that they pay for 28 days of insurance and only use on any days they choose within three months. Superb!

Do Morethan just comparison websites for insurance quotes! A couple of years ago I picked up on the differences in prices between a standard quote and a quote going through a cashback site…. I complained, obviously. No laws broken but still got the refund of the difference 🙂



If you need help with a complaint re insurance or anything else see Top 20 Tips How to Complain! For much more advice, guidance, templates, consumer laws and information GET THE BOOK! How To Complain: The ESSENTIAL Consumer Guide to Getting REFUNDS, Redress and RESULTS!



* referral links – I’ll get a few pounds if you sign up once you’ve made more than whatever their minimum is. (Topcashback is the one I really use and that’s £10) Depending on when you click on this link you may receive a bonus but that depends on the offer on at the time. You can then use your own referral link and send to friends too.

Do Morethan just comparison websites for insurance quotes!

How do you take out your contents and building insurance? I hope you don’t just renew every year and that you look at comparison sites for switching insurance, energy etc. I do this but do do a little more. I also check the site that comes out the cheapest.

Comparison v direct
huh_450Last year MoreThan came out cheaper on the Moneysupermarket comparison site. But this is when it got odd. I went through and got a reference number and password which did not work when I clicked to go through to the website. The quote included some cover which I did not wish to have. I looked to see if I could ‘phone to discuss the quote and noted that only an 0844 number was provided. It is now illegal to only provide such numbers for customer helplines under the The Consumer Rights Directive 2013 but oddly it was provided at a later date but it wasn’t on the website!Secondly I tried to use Topcashback* (excellent cashbacksite) and get a quote from MoreThan directly. This seemed to come to much MoreThan the Money quote! But it did not include the cover that I didn’t want! It also requested details on specific items which was not included on the site. The quote listed certain other items and not others. Basically, the comparisons between the two sites were ridiculous and one could not change them either.

So off went the email to the CEO as I felt that something was seriously flawed with their systems. Why can’t you just get the same cover going through the comparison site as going direct? Why does it cost more direct for a different cover and you can’t use the cashback site when going through the comparison site for the cheaper quote. I stated that I wanted the price stated with minus the cover I didn’t want and to include the cover I did. I also expected to receive the £21.00 Topcashback  to which I felt entitled. I got a new quote about £100 more than other quotes in order to get everything I wanted, and a cheque for the difference between the new quote and the cheaper quote plus the £21 cashback.

I’m not sure that any Laws were broken here, although one wonders about misleading practices and the Consumer Protection from Unfair Trading Regulations 2008. I do think it’s poor practice and would advise anyone looking at their insurance to explore all possibilities and to look at the comparison sites and then look at the site directly for further comparison. Make sure you have the cover you want and contact the company if you see anomalies. My guess is that this practice is quite widespread and that we need to make sure that we are not being ripped off as well as ensuring that we have the cover that we want and need.

Lots more information about comparison websites, approved sites etc here.

How to Complain: The Essential Consumer Guide to Getting Refunds, Redress and Results!


For more guidance, advice, tips, information, consumer laws and templates GET THE BOOK! How To Complain: The ESSENTIAL Consumer Guide to Getting REFUNDS, Redress and RESULTS!



*refer a friend link so if you sign up I’ll get a few pennies for referring you and you should get a few pennies as a welcome gift!