Cheap Insurance Premiums

Looking for low-cost insurance without sacrificing coverage? Here’s how to secure cheap insurance premiums on your car, home, or contents—while still enjoying peace of mind.

1. Bundle Your Policies

Insurers often offer discounts when you combine car, home, and household contents insurance under one roof. Bundling can reduce your combined premium significantly.

2. Increase Your Excess

Choosing a higher voluntary excess (the amount you pay when claiming) often lowers your monthly premium—but ensure it’s an amount you can pay comfortably if needed.

3. Install Approved Security Features

Adding devices such as alarms, beams, immobilisers, and trackers can reduce risk and earn you premium savings. A more secure property or vehicle means cheaper insurance.

4. Maintain a Good Claims Record

No-claim bonuses reward safe policy holders. Avoiding unnecessary small claims preserves your bonus and keeps premiums low.

5. Choose Tailored Cover

Don’t over-insure. Select cover levels that match your actual needs. Whether it’s comprehensive, third-party only, or fire & theft cover, matching policy type to risk helps manage costs.

6. Review and Compare Regularly

Insurance market rates change frequently. Reassess your cover annually and compare new quotes to find a better deal without compromising protection.

7. Avoid Short-Term Cancellations

Cancelling and restarting policies mid-term can lead to penalties or short-rate refunds. Stick to full-term agreements and adjust cover only when necessary.

8. Keep Your Details Up-to-Date

Inform your insurer of any lifestyle changes—like moving to a safer area or working from home—to ensure your premium reflects current risk.

9. Ask About Discounts

Some insurers offer age-based, occupation, or client loyalty discounts. Ask what you qualify for to reduce your monthly cost further.

Secure Cheap But Reliable Insurance

Low premiums matter—but not at the expense of proper cover. Compare insurance quotes to ensure you’re getting the best value, matched with recommended savings tips.