Do's
Drive carefully pretty obvious but if your are reckless and drive badly you will pa the price either through injuring yourself or others or higher premiums!
Try adding a responsible named driver or two
Always inform insurers of changes or special circumstances/ conditions
Check different variations of your job description as there could be a dozen that describe your role but one could save you £££'s.
Protect your NCB - pretty useless if you already have 2 claims in last year or two, which I will explain in another post.
If you are unemployed but look after kids or a carer put down househusband or carer. Insurers will charge you more for being unemployed.
If adding a temporary driver always check how much it would be to add on as a named driver, as majority of time there will be no charge, the insurer will charge you more per person for the number of days being covered and lump on admin fees on top! But just tell them you will cancel and go elsewhere and that you refuse to pay the charges!
Don'ts
Don't assume you have 3rd party cover for driving other cars, as you risk a ban an IN10 and a fine.
Don't over estimate your mileage, you pay for mileage, but also be wary of very low mileage they also may charge you more for it.
Don't modify your car.
Never lie to insurers or not disclose all material facts or your insurance could be voided or additional premium charged our insurance is not worth the paper its written on - OH AND IT'S FRAUD!
Don't auto renew policies or you will pay greatly inflated premiums.
Don't front as it's illegal and can cost you and the fronter a lot of money and again its FRAUD
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