Short-term insurance – how can you SAVE?

For most of us, insurance is a "grudge purchase" – we know we need it, but we don't like paying for it! That's why it's tempting to go with the insurer who offers the lowest premium. Unfortunately though, this doesn't always mean you get the best cover! So what can you do to save and still get value for money?

• Choose an insurer that offers a fixed excess instead of an excess that is a percentage of your claim – that way you'll always know how much you have to pay.
• If you are taking out car insurance, limit the number of people who are allowed to drive your car as this can reduce your premium.
• Insure your car, home and personal goods with the same company – the more cover you have with a single insurer, the more money you can save on your premiums.
• Look after the things you insure. One of the best forms of insurance is routine maintenance. A well-maintained car is less likely to have an accident due to mechanical failure – and if you take care of your house, it'll stand the test of time.
• Always read the fine print! As with all legal contracts, it's important that you read your policy so you know what's covered and what isn't. If you have questions, ask. And make it a habit to review your policies every so often and check whether anything has changed.
• Choose an insurer with a history of reliability - paying a low premium is all very well, but when disaster strikes you need to be able to depend on your insurance partner’s integrity.

Finally, compare quotes regularly. It costs you nothing, but can SAVE you money in the long run!

For a free, no-obligation short-term insurance quotation for your car, home and personal valuables, fill in the form.