Nine in ten Moneywise users actively seek better car insurance deals

looking for car insurance

More than half of users (51%) say they challenge their insurer to beat the best quote they’ve found when renewing their car insurance.

Our poll of 728 users, found that a further 35% ditch their existing policy at renewal to find a new one elsewhere, while 7% charm their car insurer into offering a better deal.


However, it’s concerning that 4% of users may be paying too much for their car insurance because they either accept the new quote, no questions asked, or let the policy renew automatically.

If you have car insurance, you may well have fallen foul of insurers automatically renewing your annual policy and locking you into a pricier deal. But as the results of our latest poll reveal, you don’t have to take it lying down.

If you don’t want to auto-renew, you should:

  • Let your insurer know you won’t be renewing your annual cover soon after you buy your current policy.
  • Check your insurance policy for the phone number or email address to opt out of auto renewal.
  • Keep a record of any correspondence on auto-renewing.
  • Even if the auto-renew premium you are given seems good, it is still worth using a price comparison site to see what the competition will offer, and then checking the providers these miss, such as Direct Line and Aviva.
  • If your circumstances have changed, meaning comparison sites won’t provide quotes for you, contact the British Insurance Brokers’ Association on 0370 950 1790.

When you take out a new policy, you should also always diarise to check prices a few weeks before the renewal date so that you can see if there are cheaper deals elsewhere. This is important given 2% of those who voted said they let their policy auto-renew as they forget when it ends.


See the full poll results below (click to enlarge), which ran from 26 July to 2 August 2016 on

More about

Your Comments

Great article.
I have just renewed my car insurance with AA , my renewal quote was £249 . It doesn't matter who I am with every year I go on the comparison sites to get quotes, the cheapest quote compared to my existing policy was £192. I rung AA & they matched the price saving me £57!!!
Don't just accept the renewal quote spending just 15 minutes comparing prices will save you money.

Thanks for sharing your success story Brotherton, that's great to hear. Hopefully others will take inspiration from your comment and do the same!