Here\u2019s my updated guide for 2025:<\/p>\n\n\n\n
1) As always check your renewal price<\/strong> 2) Be realistic with mileage<\/strong> 3) Watch out for amendment fees<\/strong> 4) Double check your details<\/strong> 5) Avoid a forced cancellation at all costs<\/strong> 6) Check your vehicle details match exactly<\/strong> Insurance renewals aren\u2019t exactly the highlight of the year, but they\u2019re unavoidable. The good news is, a few careful checks can save you a lot of money and hassle. Hopefully my mistakes save you from making the same ones. If nothing else, treat this as a reminder: don\u2019t rush it, double-check everything, and never assume the first price you\u2019re given is the best one.<\/p>\n\n\n\n
Even if your existing provider sends you something that looks reasonable, don\u2019t just accept it. We\u2019ve made it as quick and easy as possible to check in the app. Sometimes your current provider will<\/em> be the cheapest – but in my experience, it’s often not.<\/p>\n\n\n\n
Don\u2019t overestimate. Last year, we weren\u2019t sure how many miles my wife would do after changing jobs, so we put 10,000. This year we knew it was closer to 6,000 \u2014 and that single change cut the premium from \u00a3404.16 to \u00a3271.24!<\/p>\n\n\n\n
It\u2019s tempting to pick the lowest quote, but look carefully at the small print. Some insurers charge \u00a350+ for any<\/em> changes (even online). This year I got caught out and ended up paying more than if I\u2019d chosen a slightly pricier policy with free amendments.<\/p>\n\n\n\n
I accidentally mixed up two cars\u2019 policies this year. Only a couple of small things around dates of stuff. I only noticed after purchase, which meant the \u00a350 amendment fee. Worse, if you get something wrong, your insurance could be invalid when you need it most \u2014 a very bad day.<\/p>\n\n\n\n
This one\u2019s painful. Never, ever get into a position where the insurance company force cancels your policy. My daughter bought car insurance and was required to fit a black box. No problem, but a few days later her plans changed and no longer needed the insurance. The insurance company sent emails explaining they were going to cancel the insurance unless she fitted the black box. She thought letting the insurer cancel would save her a phone call. The result? She now has to tick \u201cYes\u201d to \u201cHave you ever had insurance cancelled by an insurance company?\u201d<\/em> on every application. That puts her in the \u2018naughty\u2019 bracket, and her premiums are permanently higher. And the worst bit? There\u2019s no time limit on this question. If anyone knows how to undo this black mark, please tell us!<\/p>\n\n\n\n
My vehicle’s full name is “911 Carrera 4S Tiptronic”. Using the insurers own reg number look up tool, they listed it as \u201c911 Carrera 4 Tiptronic S\u201d (the \u2018S\u2019 was in the wrong place). At first I thought that this would be fine.. surely that wouldn’t make any difference? But I queried it, and they admitted they didn\u2019t actually have my exact model listed – so refused cover. Imagine if I hadn\u2019t checked and then needed to claim\u2026 they might have walked away. So if that happens to you, just spend a bit of time confirming this with the insurer. <\/p>\n\n\n\nFinal Thoughts<\/h3>\n\n\n\n