Save up to £278 on Car Insurance*
*51% of customers could save up to £278.49 Consumer Intelligence, February 2018
Save up to 39% on your Home Insurance†
†51% of consumers could save up to 39.95% Consumer Intelligence, February 2018
Find a new credit card with Smart Search
Switch Energy & save up to £250**
** Based on average savings for customers that applied to switch via MoneySuperMarket, Jan-Aug 17. Based on MoneySuperMarket sales data 2015
Control your car cover
You can keep your insurance costs under control if you:
Shop around: sticking with the same insurer can cost you dear because insurers save their best prices for new customers - so shop around every year!
Pay upfront in one go: if you can afford it, pay all at once because insurers charge more if you opt for instalments - it’s like paying interest on a loan.
Increase your excess: choose a higher voluntary excess and your premium should dip. But don’t push it higher than you can afford to pay.
Try telematics: some insurers charge less if you fit a black box device that monitors your driving - so long as you demonstrate you’re a safe driver.
Park off-road: not everyone can, but if you can park on a driveway or in a garage overnight you’ll get a lower premium than if you park in the street.
Add a named driver: including another experienced driver on your policy is likely to reduce the premium because the driving will be shared between you.
Handle your home insurance
If you want to defeat your home insurance bill, you can:
Combine your cover: taking out both buildings and contents with the same insurance company - you can often secure a discount for doing so.
Pay annually: spreading payments via monthly instalments might be attractive but it’s almost always more expensive because you’ll be charged interest.
Increase your excess: slash your cost by increasing the voluntary excess - the amount you pay towards a claim. Higher excess = lower premium.
Build your no claims discount: if you don’t make any claims, you will usually earn a discount. This can cut the cost of your insurance by as much as 50%.
Boost security: you’ll pay less if you fit robust locks on doors and windows, install a burglar alarm and fit a safe to protect your valuables.
Fit smoke alarms: make sure you have smoke alarms throughout your property and check them regularly to make sure they’re working.
Commandeer a credit card
If you apply for a credit card and your application is rejected, you can damage your credit file, making it harder to get the best offers.
That’s why it pays to use Smart Search, which lets you scour the market without harming your score.
Here’s how it works if you’re applying for a credit card:
- From our credit card homepage, click on the ‘Find a card' button.
- Enter details such as your name, your annual income and the name of your bank.
- A list of credit cards will spring up and we’ll tell you how likely you are to be accepted for each one. This is expressed as a score out of 10 and is colour-coded red, amber and green.
- Results will be ordered by eligibility, so those closest to 10 will be at the top. But, if you prefer, you can change this to the longest 0% deal or another chosen measure.
- You can use this information to assess the benefits of the credit card versus your chances of getting it.
- In some cases, we can actually confirm that you are guaranteed to be accepted for a given card, subject to ID and fraud checks.
Outmanoeuvre your energy bills
There are many ways to keep down energy costs - you’ll end up with a lower costs and a warmer home by:
Switching provider: if you’re on a standard variable rate tariff you could save as much as £250 a year by moving to a fixed- rate deal.*
Turning off appliances on standby: turn gadgets off at the plug. Games consoles, TVs and set-top boxes are the worst offenders for innocently gobbling energy.
Turning down the thermostat: almost half your energy bills spent on heating and hot water. Turning your heating down by one degree could save up to £80 a year.
Washing clothes at lower temps: select a lower temperature and save electricity - modern powders and liquids are designed to work well in cooler water.
Showering instead of bathing: having a shower uses a fraction of the water it takes to fill a bath, and that translates into much less energy used to heat it up.
Insulate your home: from double-glazing to loft insulation to using draught excluders, there are loads of steps you can take to keep the cold at bay.
*Based on average saving for customers that applied to switch via MoneySupermarket, Jan-Aug 17.
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