A renewal review is an opportunity to check whether the information on your policy is still accurate and whether the cover remains suitable for your circumstances. Comparing like-for-like options may help identify whether a renewal quote is still competitive.
Renewal checklist
Confirm personal and vehicle details
Check the main driver, named drivers, address, occupation, vehicle use, annual mileage and overnight parking information.
Review the cover level
Compare Comprehensive, Third-Party Fire and Theft, and Third-Party Only options where appropriate. The lowest level of cover is not automatically the most competitive.
Check both excess amounts
Review the compulsory and voluntary excess together. Any voluntary amount should remain affordable if you need to make a claim.
Compare included features
Check courtesy car terms, windscreen cover, legal assistance, breakdown cover and any exclusions rather than comparing price alone.
Use consistent information
Provide the same accurate details when reviewing different options so the results can be compared on a similar basis.
What can affect renewal prices
Insurers use their own underwriting criteria. Common factors that may influence a quote include:
- Driver age and experience
- Address and postcode
- Claims and driving history
- No Claims Discount
- Annual mileage and vehicle use
- Vehicle insurance group
- Occupation
- Overnight parking location
- Selected cover and excess
These factors are general examples only. Each insurer may assess risk differently, and no particular change guarantees a quote or a different price.
