Why your premium changed at renewal — and what to do about it

Claims history, vehicle value, and underwriter repricing all move your renewal. Here's how to bring it back down.

Depreciation cuts both ways

As your car's value drops, so should the comprehensive premium. If it didn't, ask for the sum insured to be revalued before you renew.

No-claim discounts are worth protecting

A small claim can cost you more in lost discount than it pays out. We'll tell you honestly when it's cheaper to settle a minor repair yourself.

Always re-shop the risk

Underwriters reprice classes of business every year. The insurer who was cheapest last year often isn't this year — we compare the market again at every renewal, automatically.