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When you receive your renewal letter, don’t ignore it.

Your insurance company only needs to give you 15 working days’ notice of renewal, so get on the phone and get at least three new quotes from different insurers.

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The Defamation Act 2009 was hugely controversial for the blasphemy offence it created.

Lost in the noise, however, was the fact that it did very little to improve the position of online speech.

Tell them you're surprised that the premium is as high as it is (even if you're not).

Ask how much it was last year, and if it’s gone up, ask why.

This is where you’ll need to do some extra calling around to companies that will insure unusual cars, and not-so-perfect drivers. well, unless you’re a 18 year old male with a modified Skyline!

All comprehensive car insurance policies include an excess amount; this is the amount you must pay in the event of an accidental damage claim.Your premium is much more flexible than you may think and to keep you as a customer, your insurer will probably reduce your premium. Ask if this is their best and final rate - you still might squeeze another few euro out of them.This should give you your best renewal rate from your existing insurer.It is worth noting that extremely high quotes can be considered refusals too.More information on the Declined Cases Agreement is available from Insurance Ireland.Every year we challenge the drivers in our office to beat their renewal quotes, we’ve been successful every year, and we’ve learned a few things along the way.

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