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Be Flexible With Your Insurance Excess

Try to push your insurance excess as high as possible. Very often it's not worth making a claim on your policy when you've got a good no-claims discount behind you. A higher excess demonstrates to the insurer that you are serious about not claiming and driving carefully.

Bear in mind though that you'll pay this excess if you need to claim for costly repairs to your vehicle, so balance what you think you can afford if the worst happens. If possible have an excess higher than £500, and if possible, go above £1,000. Play around with insurance comparison sites' quote calculators to see what effect it has on your premium.

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