Car insurance: Haggling for better car insurance deals

Car insurance haggling script

You don't have to change your car insurance company to save money - it's perfectly possible to persuade the company you're already with to give you a discount.

Which? research showed that you don't have to accept your renewal quote - you can bring it down by shopping around to get more competitive offers, and then asking your current company to beat them. 

Here, we show how much you can expect to save by haggling over your car insurance policy and which companies are most likely to offer you a discount.

How to haggle for the best car insurance deal

Boost your chances of success by doing some research before you pick up the phone to haggle with your car insurance company.

  • Find out what your premium was last year and how it compares with your renewal offer
  • Visit a couple of price comparison sites to get some quotes for your car insurance policy, and try to find out what your current company would quote you if you were a new customer
  • Then, contact some insurers direct by phone or through their website to get some more comparable quotes. Try some mainstream providers such as Aviva, The Co-operative Insurance, Direct Line or Liverpool Victoria to start with
  • Make a note of the cheapest premiums and the companies offering them
  • Double check that the cover is as good as your current policy

Finally, using the script on this page, ask your current car insurance company to match the cheapest premium you found on the market. 

You can use our free Emindme email reminder service to alert you before your car insurance is due for renewal.

How big a discount can I expect on my car insurance?

In a 2015 Which? study, members saved themselves an average of £78 by haggling on their car insurance. In the survey of 1,880 motorists, 78% of respondents haggled successfully.

Of all the major insurers, Liverpool Victoria was the most receptive to haggling, offering incentives to 84% of members who called to negotiate their premiums. Incentives were also offered to more than eight in ten customers who called Admiral, Esure and More Than.

Our guide on finding cheap car insurance tells you more about tracking down the best deal. 

Use our haggling script and let us know how much you saved

You can increase your chances of getting a discount on your car insurance by using our tried and tested haggling script, above.

Have you successfully haggled for a better deal on your car insurance? We want to hear how much you saved - click here to tweet us about your haggling success.

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Last updated:

June 2016

Updated by:

Joe Elvin

Which? Limited (registered in England and Wales number 00677665) is an Introducer Appointed Representative of Which? Financial Services Limited (registered in England and Wales number 07239342). Which? Financial Services Limited is authorised and regulated by the Financial Conduct Authority (FRN 527029). Which? Mortgage Advisers and Which? Money Compare are trading names of Which? Financial Services Limited. Registered office: 2 Marylebone Road, London NW1 4DF.