Match the cover to the car's age
The most expensive mistake: keeping fully comprehensive cover on a car that no longer justifies it. Past a certain age, the car's market value means comprehensive cover barely pays off; switching to extended third-party (with theft, glass and fire) usually cuts the premium sharply without leaving you exposed.
The reverse is also true: on a new or financed car, dropping comprehensive cover to save a few euros can prove very costly.
Play with the deductible
Comprehensive cover with a deductible can cost considerably less than without one. If you are a good driver and have a cushion to absorb small knocks, the deductible is a discount you pay yourself.
Declare the truth (it works in your favour)
The real main driver, the real postcode, real mileage and where the car sleeps. A locked garage and low mileage lower the premium; lying on the declaration can void your cover exactly when you need it.
If there is a young driver at home, declare them as an occasional driver: it costs a bit more now, but it builds up insurance history in their name that will lower their premium the day they get their own policy.
Pay annually and bundle policies
Paying in instalments (monthly or quarterly) carries a surcharge at almost every insurer. Paying the full year in one go is an immediate discount.
Bundling car, home and life with the same broker unlocks portfolio discounts and, above all, gives you a global view to eliminate duplicated cover across policies.
Compare every year — or let us do it for you
Insurers reward new customers and quietly raise prices on loyal ones. Comparing your policy at every renewal is the trick that saves the most of all — and it is precisely a broker's job: we do it for you, free, across more than 20 insurers.