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Travel insurance
12 Check to see if your credit card offers
“complementary” travel insurance. To be
covered, you will usually need to pay for a
minimum amount of travel costs with your
credit card. For example, you could pay
for your flight, or prepay some of your
accommodation. Each policy is different,
so read the fine print before signing up.
13 Buy cover direct from the provider.
Insurance organised through a travel agent
or airline is convenient, but usually comes
with hefty commissions added on top.
14 Avoid options you don’t need to lower
the cost of your cover, but be sure to add
cover where you do need it. There’s no point
buying a basic policy if it doesn’t include
winter sports and you’re off skiing. Insurance
is useless if it’s not tailored to your needs.Car insurance
15 If you have the option of parking your car
off the street (in a carport, garage or secure
parking bay), this can reduce your premium.
16 Consider raising the excess on your
policy, but remember you’ll have to pay that
increased amount at claim time if you are at fault.
17 Good insurers allow lots of choice when it
comes to age restrictions on your motor policy.
If younger people aren’t going to drive your car,
go for the highest age limit that fits
your scenario to reduce your premium.
18 Have you insured your car at agreed or
market value? An agreed value policy
will generally cost more.
19 Ask about a no-claim bonus: a reduced
premium for drivers with a clean driving record.
20 If you don’t drive regularly, consider pay-as-
you-drive or usage-based insurance.
For usage-based insurance, technology installed
in your car tracks things like your speed, distance
travelled, where you drive and how hard you
brake and accelerate, and then calculates
your premium using this information. R