Six months to go: How to get your car insurance sorted for 2022

It’s never too early to start planning for the next insurance renewal. After all, what’s the point in getting your car insured if you’re not going to have it insured when you need it? With time fast running out, here are six tips that will help you get your car insurance sorted in time for your due date and keep you from finding yourself unexpectedly uninsured at the end of your policy term.

Understand what's changing

In 2020, a new law comes into force that will change the rules on how you buy car insurance. If you want to avoid paying more than necessary or being forced into an expensive policy, it's worth planning ahead now. 

Your current policy will probably be valid until the end of 2021. So if you're happy with it and want to keep it going for another year, go ahead and renew now. But if not, start thinking about what you want in a new policy so you don't leave it too late and miss out on getting the best deal possible.

Check you're getting value for money

It's always worth shopping around and comparing the price of different policies. It's also worth considering what type of cover you need, as this will affect the cost. If you're buying a second-hand car, it's important to check that it has an up-to-date MOT and valid NCT certificate, as this means it is less likely to be stolen or written off in an accident. You may not realize it, but some insurers won't pay out if they find out that the vehicle was either stolen or had been written off in an accident before you bought it.

Check your renewal date

If you're driving a petrol vehicle, you'll need to be covered by a different type of policy in six years' time. Petrol vehicles are being phased out and the government is aiming to have all cars on the road electric by 2030, so it's important that we all start planning now. If you're not sure what type of cover is best for you, then check this link.

Get quotes from different providers

It's possible that you'll be able to find cheaper premiums, but these companies may not offer the same quality of coverage. You can also opt for an all-risks policy, which includes everything from theft and vandalism to fire and flood. You might have a higher premium, but it will be worth it if you don't have to worry about the other kinds of damage. There are many different factors that affect how much your annual premium is going to be, so it pays off to get as many quotes as possible and see what deals you can get. If you want to make sure that you're getting the best deal available, ask friends or family who they use when they need insurance because they might know someone with a good reputation or special discount rates on their policies.

Consider going direct or switching provider

It’s time for annual renewal, and you notice that you’re still with the same company. You might be wondering whether it’s time to switch providers or take a gamble and stay put. If you want to make a change, now is a perfect time, as six months remain before the end of the year and it will give you ample opportunity to shop around for a better deal. You can do this by going direct or switching providers. 

In the process of shopping around, you'll want to find out what features are most important to you - so if there's anything in particular that your current provider doesn't have but would like, let them know when they call and ask what discounts they can offer.


Here are some tips to help you get the best deal for 2022. New rules on how you buy car insurance come into force in 2020, so it's important to know what's changing. It's time for annual renewal, and you might be wondering whether it's time to switch providers. You can do this by going direct or switching providers. It's possible that you'll be able to find cheaper premiums, but these companies may not offer the same quality of coverage.

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