Will Writer


Julia Whytock LLB Dip LP


fi nd your quote is lower. Like @RPJ_Webster93 who tweeted: “@martinslewis Thanks to your ‘reword job title’ tip my car insurance quote reduced by £500.” He legitimately changed his job title from ‘council worker’ to ‘civil servant - cleric’.


7. Don’t ‘pay monthly’ – it doesn’t exist. Insurers may call it paying monthly, but actually they loan you the year’s cost and while a few are interest free, most charge often hideous interest. The worst off ender I’ve seen charges up-to-93% APR interest. So, check and if it’s costly, pay upfront if you can. If not, try to get one of the many year-long-plus 0% credit cards. Just ensure you pay it off over the year, then there’s no cost.


8. Consider installing a ‘black box’. This device is the tech (offi cially called ‘telematics’) insurers put inside your car to monitor how you drive and when. It’s especially useful for younger drivers facing hefty costs via other means, though if your mileage is limited and you don’t drive at peak times or late at night, it can work well too.


9. Got special circumstances and struggling? Speak to a broker.


If your circumstances aren’t


normal, getting insurance can be tough. Often getting an insurance broker to fi nd a bespoke policy for you can beat comparison sites. See www.biba. org.uk/fi nd-insurance/


10. Can you get cashback? Once you’ve found your cheapest policy check cashback websites like Quidco.com and TopCashback.co.uk to see if you can get any money back on the policy you’ve chosen if you buy it via them - this can be over £50, so is often worth it. Yet don’t let the cashback tail wag the dog. Choose the right policy fi rst, then see cashback as an added extra (as it isn’t 100% guaranteed).


Martin Lewis is the Founder & Editor in Chief of Money Saving Expert. To join the 10 million people who get his Martin’s Money Tips weekly email, go to www.moneysavingexpert.com/latesttip


Accounting Services www.cathedralaccountingservices.com


Cathedral


We are a local accounting practice who specialise in assisting small / medium companies and sole traders report on the past and plan for the future.


We can provide a full range of accountancy, payroll, VAT


and taxation services to your business.


Phone Andrew Hemming on 01786 821 895 or 07971 769 851


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Lawyer & Professional Will Writer


Appointments at times and locations to suit you


01786 825 685 07962 117 390


enquiries@juliawhytock.com www.juliawhytock.com


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