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Be prepared – Have your contact details at hand. For Travel insurance you need a scanned copy of your passport. For Car insurance you need to have scanned copies of your: (a) Registration Card (if it is a new car - not yet registered - the pro forma invoice or customs clearance documents declaring the vehicle details), (b) Passport copy including Visa; and (c) Driving license.

Tell the truth - if you don't the insurer may reject your claim if you need to make a claim, or you may pay more than you need to.


Be truthful and accurate - you need to check the details you enter carefully as small mistakes could mean a much higher or lower premium, or could even invalidate your insurance altogether. For example, over-stating your no claims discount. 


Compare like-with-like - make sure you are comparing like-with-like when looking at premiums. You need to ensure you are looking at the same cover. For example, do the policies include the features you need like a courtesy car and are the excesses the same. The excess is the amount you have to pay in the event of a claim, and has a big impact on premiums. The lower the excess, the higher the premium. When comparing policies make sure you are comparing policies with the same excesses. 


Check information is correct - check the information is correct. Again, this is very important as mistakes could mean a wrong premium or no cover.


Shop around each year - don't assume that the renewal quote you receive from your current insurer will be the best you can get as it probably won't be. Most insurers offer their best deals to new customers, so it is vital to shop around for the best deal every year.
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