Andy Ikes 11/07/2023

How to save a bob or two on UK car insurance

Aye, mate! It's time to talk about car insurance in this neck of the woods. We all know it's a necessary evil, but that doesn't mean we have to empty our pockets for it. In this article, we'll show you some tricks of the trade to help you save a pretty penny on your car insurance premiums.

And while we're at it, we'll give those insurance bigwigs a little piece of our minds. Let's dive in and take control of our car insurance destiny!

The insurance industry: a love-hate relationship

Now, let's be honest, shall we? The insurance industry can be a right headache. They take our hard-earned brass and leave us feelin' like we've been taken for a ride. They throw around fancy terms, confuse us with jargon, and make it seem like gettin' a good deal is as elusive as findin' Nessie in Loch Ness. But fear not, me mates, for we're 'ere to even the odds and show those insurance bigwigs that we're not to be messed with.

__Shop around for the best deal:__text in bold

First things first, never settle for the first quote that comes your way. Shop around like a savvy shopper on the hunt for a bargain. Compare quotes from different insurers and use price comparison websites to find the best deal for your wheels. Don't let those insurance companies take advantage of your loyalty. They may dangle a "renewal discount" carrot, but oftentimes, switchin' to a new provider can save you a pretty penny.

Watch out for sneaky add-ons:

Those insurance companies love their add-ons, don't they? Breakdown cover, legal protection, windscreen replacement—before you know it, your policy is bloated like a Christmas turkey. While some add-ons may be useful, many are just clever ways to squeeze more cash out of your pocket. Assess each add-on carefully and consider if it's worth the extra cost. Don't let those insurance companies pull the wool over your eyes with unnecessary extras.

Consider your mileage:

Ah, the number of miles we drive. It can make a right difference in your insurance premiums, mate. Be honest about your estimated annual mileage when gettin' a quote. If you don't plan on clockin' up the miles like a London taxi, opt for a lower mileage limit. It can knock a few quid off your premium. But remember, don't underestimate your mileage and end up in hot water if you exceed the limit. It's all about findin' the right balance, just like drivin' down a twisty country road.

Beef up your security:

Insurance companies like to see that you're takin' steps to protect your wheels from the hands of naughty thieves. Beef up your car's security with an approved alarm, immobilizer, or a good old-fashioned steering wheel lock. Park your car in a safe area, like a well-lit driveway or a secure garage. Show those insurers that you're serious about protectin' your motor and they may reward you with lower premiums. It's a win-win, mate.

Keep a clean driving record:

Now, here's a no-brainer—drive responsibly and keep your record squeaky clean. Those insurance companies love a good driver with no claims or convictions. Avoid speedin' like you're in a Formula One race, stay away from penalty points, and don't let your driving skills fall into the gutter. A clean record can translate into lower premiums and more money in your pocket. It's common sense, really.

When it comes to car insurance, we don't need to be pushovers for the insurance industry. With a little know-how and a dash of skepticism, we can save money and make those insurers sweat. Shop around, beware of sneaky add-ons, consider your mileage, beef up your security, and keep a clean driving record. It's time to take control of our car insurance destiny and show those insurance bigwigs that we're not to be trifled with. Stay savvy, me mates!

Disclaimer: The opinions expressed in this article are solely those of the author and do not reflect the views of all insurance companies. Remember, it's important to read and understand your policy terms and conditions before making any decisions regarding your car insurance coverage.