In many cases, yes.
Staying with the same insurer can often mean paying more than necessary — especially if you haven’t taken steps to reduce your car
insurance costs in the UK
• New customers often get better deals
• Renewal prices are often higher
• Different insurers price risk differently – based on things like your profile, location, and what affects car insurance prices in the UK
Many drivers save £100–£300+ per year
just by switching insurers.
• If your renewal price is already competitive
• If your risk profile has changed significantly
• If cancellation fees apply
• Level of cover
• Excess
• Optional extras
• Total cost (not just monthly price)
• It feels like effort
• They assume their deal is fine
• They don’t compare options
So they stay — and overpay.
Geoff helps you review your insurance and highlights better options — so you know if switching is worth it.
Yes — most switches are quick and can be done online.
No — you keep your no-claims history when switching insurers.