When I first got my car around this time last year, the first thing I did was look for insurance quotes.

I’d searched for hours, and the cheapest I could find was around £750. On top of this, I also went via TopCashback to get £60 cash back on top of the discount.

So anyway, after a years’ no claims, my renewal quote came through at (£46.77/month) (£561.20 total).

I decided I could do better than this, so I jumped on a few comparison sites. The cheapest like-for-like quote I could find came in at around £475.

So I jumped on live chat the next day with Aviva and I managed to get a discount. I mentioned I had a £42.09 (£505.08 total). If I wanted to pay for a year upfront, it’d be £471.60. I asked the chat agent if she could do any better; she said she couldn’t.

Before letting it renew, I had one last shot. So the day after, I jumped on chat again (with a different agent), asked if any further discount was available, and got an additional discount.

Whether it’s my Yorkshire blood, or just how I am, I’ll never pay list price for anything if I can help it – especially in the case of insurance, where you’re not really getting anything for your money.