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You’ll have to roll up your sleeves and conduct one of life’s important administrative tasks every now and then. Paying your taxes is one of them, as is ensuring you’re on top of your utility bills. One task that often gets overlooked is the insurance renewal – something that you might go through several times a year if you cover your life, your health, your car, and your home via insurance policies. Many people tend to let the insurance roll over year on year without checking if they can get a better deal. Instead of simply signing up to renew with your current provider, here are ways to bag a better deal when it comes to putting pen to paper for another year.
One of the first places to look when you’re looking to renew your insurance policy is the price comparison website. Several of these cater to those looking for the best possible deal on their insurance. You can search specific websites – for instance, car insurance comparison sites – or otherwise head over to larger sites that cover a variety of different insurance policies and insurers. Be careful to check the small print and the variables on each policy you find to ensure you’re getting the cover you need.
It’s in your insurer’s best interest to simply come to you with a request for the renewal of your policy at the same price. They don’t want to lead with a new offer with a reduced premium, as you may well click to renew anyway at your current price. This doesn’t mean that your insurer isn’t flexible, though. They’re highly motivated to keep you as a customer, and you’ll find them to be responsive to counter offers. They’re aware of the competition in the market, so they may well reduce your premium for your renewal.
Some price comparison websites for insurance can be unreliable or present you with policies that you feel are inadequate for the level of protection you’re looking for. They’re also inflexible, with fixed, packaged policies that might not match your objectives. To find a bespoke deal that suit you, search on trusted insurance broker websites such as KBD insurance, where you can tailor your policies to your specific protection needs. Once you’ve entered your data, the price may well be less than your current premium.
If you have insurance for various aspects of your life, you might find that a comprehensive package – for instance, one that covers both health and life, or one that covers household, contents, and car – is better value than your individual policies. Brokers offer these packages to gain your custom and higher premium payments. They’re well worth researching, as some of them might target exactly the packages that you’re looking to get covered for less cash this year. Ensure you’re getting the cover you need when selecting these packages, as there’s plenty of small print to read through on each of them.
