Car Insurance Renewal Myths Busted

I think we can all agree that there is nothing exciting or interesting about car insurance, right? Its a legal requirement, and considered by most to be a hassle or a chore, and what’s worse is that a number of people feel like they have no idea what they’re doing when it comes to it, which can really cause problems further down the line.

So while this might not be the most exciting topic to be blogging about, I thought I’d share some advice and information from my experience of working in the car insurance industry. I’m not sharing any industry secrets or naming/shaming any particular companies, I’m just hoping to clear up some of the myths or beliefs, and hopefully help a few people out! Here goes..

I’ve had another claim free year, why has my insurance gone up?

Its a common belief that every year you go without making a claim earns you a drop in your renewal price, and while this may often be the case, there are a number of factors that could mean you see an increase. This year especially, there have been a number of changes in industry factors that have been totally out of the companies control, namely the increase in Insurance Premium Tax (IPT) and changes in legislation on personal injury compensation, both of which have hit car insurance hard.

On top of this, insurance rates are calculated based on a whole tonne of information and statistics, so while you might have another year of driving with no accidents, things like your car being another year older, or if there’s been an increase in the number of accidents or claims in your postal region, are all things that are factored in during the underwriting process.

What about my no claims discount?

No claims discount (NCD) can of course reduce the cost of your insurance substantially, and within your first few years of earning NCD, you should be seeing a general reduction in your insurance quotes, but the further up the years you get, the discount percentage increases by smaller increments, until you eventually hit your insurance companies maximum, which in most cases is 9+ years. At this point, while you may feel like your insurance should be dropping every year – which is may do! – you’re already benefiting from the highest discount you can get, so you may find a bit of a plateau.

My insurance company will give me a discount if I tell them I’m going to cancel

Sure, a lot of insurance companies will be able to offer you a discount if you express unhappiness at your renewal price, but I urge you to think about the amount of discount they give. If they can knock £100 off the price the moment you question the price, why is it they can do that without second thought? You may find you’re only offered £10-15 off, and while this may seem a little stingy, what it actually suggests is that you were sent out a pretty accurate price in the first place, rather than an over-inflated price designed to make you feel like a winner when they half the cost.

I shouldn’t have to shop around to get the best price

One of the biggest reasons that people see their insurance prices go up and up and up is because they allow their insurance company to renew the policy time and time again without comparing the market. Most insurance companies do have a preferred customer, be that based on age or any other factors, and while you may think that you’re being a lovely loyal customer staying year after year, it is possible that you can get a much better deal elsewhere. This has actually become such an epidemic that the insurance regulator has mandated that insurance companies must now put a statement on their renewal quotes encouraging their customers to shop around, so don’t be insulted if you notice this!

On the back of this, insurance companies can vary massively in how they assess your details, so one company can quote you £300 while another quotes you £600 for exactly the same cover!

Do I really need to review my insurance every year?

YES. I urge you to check through all of your documents every year, as well as being sure to update your insurance company to any changes throughout the year. Even small changes, such as a different job, becoming a homeowner, going from living at home to living with a partner or getting married; these are all factored into the calculation of your insurance premium, and its so easy to forget about informing your insurance of these changes, but they can make a difference!

What should I do if I’m uncertain about anything on my policy?

If you ever have any questions about your car insurance, the first thing you should do is speak to YOUR insurance company. While friends and family may be keen to give you advice, if they’re insured with a different company, there could be a big difference in what their insurance covers to what yours does, so bear this in mind when seeking a second opinion.

I’m sorry to bombard you with quite a lot of information, but I really hope that I’ve been able to help a few people out with this post! If you have found this helpful, please let me know as I’d love to know if you’d be interested in seeing more posts like this!

This post is primarily based on facts, but any of opinions stated in this post are my own personal views and do not reflect the views or opinions of any insurance companies.
Twitter / Bloglovin / Instagram

London After Terror


Yesterday, I went on a little day trip to London. It was something that I’d had planned for a good few months, and I was really looking forward to it. Then the attacks happened.Even after seeing the news of the attacks all over social media before going to bed, it never once occurred to me that I shouldn’t still continue with my trip, but when I woke up in the morning and read more and more tweets about the situation, I started to feel a little nervous about my day, but I still did my makeup, put on a nice dress and walked in the sunshine to the coach station.

I must admit, I’m always a little cautious when I’m in London. I know the underground system well, and I have no issue getting around, but after having my purse stolen about 18 months ago, I tend to stay a little bit more alert than I used to, and yesterday was no different. I walked from Victoria coach station to the main train station, went to Costa to grab some breakfast and sat people watching while I waited to meet Sarah. And what did I see?

I saw Londoners and non-Londoners, all going about their Sundays as if it was any other day. I didn’t hear anyone panicking or worrying about their day, and I didn’t feel like the station felt any different to how it has on every other trip I’ve made to this place. I saw families with small children enjoying the last day of their half terms; running, laughing, smiling. I needed to see this. I instantly felt calmed by the calm of a Sunday in London.

The recent attacks in Manchester, London, and all over the world are horrifying. It breaks my heart that innocent lives are being lost, and it breaks my heart seeing innocent people blamed for the actions of a few sick people, but we must remain strong. While we still continue living our lives, and loving those around us, they will never win.

I saw someone on Twitter refer to the scene in Harry Potter when Dumbledore dies, and everyone raises their wands to outshine the Dark Mark in the sky, but there’s another quote that for me seems more appropriate:

‘You have a power that Voldemort has never had. You can love.’

Don’t let terror defeat love.

Twitter / Bloglovin / Instagram

A Tinderella Story

One year, and a few days ago, this one swiped his way into my life, and changed it forever.

I’ll be totally honest, I was very late to the Tinder game, and when I finally did get it, I don’t think I actually had any intentions of taking it at all seriously. I guess I was just curious to see what the hype was all about, and it quickly became clear that I was probably not the target demographic, as I found myself just endlessly swiping left passed stupid profile after stupid profile. Maybe there just weren’t any decent guys left in Bournemouth?

I dabbled on and off over the course of a few months, having the occasional conversation here and there, but nothing ever came of anything, and it never bothered me because it all felt so forced.

On May 23rd, I came across a profile where the bio read ‘Looking for someone to help me reach the minimum order amount for delivery’. I mean, there were a few other things too but that’s what I remember laughing at. I swiped, we matched, and the next thing I knew, a gif-off began..

It took one evening for the conversation to move from Tinder to Whatsapp, and I guess the rest is history! I’ve been pretty open about our relationship on here; I try to write something on the 28th of each month, and although I’ve missed a month or two, next month will be a year of writing – our one year anniversary.

I’ve never been ashamed of the fact that we met on Tinder. What shame is there in finding the person you’re meant to be with? The fact is, there’s no shame in using any of these apps or websites. I found my prince charming, and we’re living happily ever after.

Twitter / Bloglovin / Instagram

My Summer 2017 Bucket List

It may not still be able to quite make up its mind, but the sun is finally shining in Bournemouth today and I’m hoping and praying that summer is finally on its way at last!

I have zero holiday allowance left at work, so this will be the first summer in a good few years that I haven’t been jetting off somewhere on a grand adventure, but I won’t be letting that stop me from filling my free time with as many little adventures and activities as I can. I wrote a summer bucket list last year, but I hardly scraped the surface with that list so I’m starting anew and hoping to actually complete this years!

  • Go to a music festival – no, I’m not gonna be hitting Glasto or V-fest, but we have a few great local festivals and I really fancy spending a day on a picnic mat listening to good live music and eating from food trucks in the sun.
  • Pick your own – I’ve always fancied going to one of those farms where you can pick your own berries and stuff
  • Bingo night – I have never been to a bingo club before, and I’m a little dubious, but so many people say its a good laugh so why not?
  • Go to an outdoor cinema – something on the list from last year that I never managed to do, here’s hoping for success this year
  • Take Matthew to the air festival – Bournemouth Air Festival is a pretty big deal, and Matthew’s never been before and put a pilot at an air festival and I’m pretty sure he’ll be happy
  • Actually get a tan – I normally spend too much time indoors to see any sort of colour change in my skin, but after a bit of a top up on my trip to California, I’m keen to spend as much time outdoors so that my legs stop reflecting light.
  • Tale as Old as Time Afternoon Tea – late to the party, but I’m finally going to the famous Beauty and the Beast afternoon tea at the Kensington Hotel with two of my favourite people in June and I can’t wait!
  • Go Ape – I’ve been saying for ages that I want to go back to Go Ape at Moors Valley, and I need to actually get round to swinging in the trees again
  • Celebrate our first anniversary – when I wrote my summer bucket list last year, one of the things on that list was my first date with Matthew. Well that was almost a year ago now, and I can’t wait to celebrate a whole year with the love of my life.

I’ve kept the list a little shorter this year in the hopes that I’ll actually achieve all of them! Wish me luck!

Twitter / Bloglovin / Instagram

March Life and Blog Update

Happy Friday y’all! Last day of the working week, last day of the month, and a quarter of 2017 is up already! With that in mind, I thought I’d do something a little different to my regular monthly favourites, and do a little update on this first section of the year.

Happy moments in March:

Matthew has finally moved to Bournemouth this month, yay! After 8 months of long distance, we’ve both been looking forward to being in the same town for the first time in our relationship and a chance to be a proper couple. I’ve been taking more time to read, I’ve been baking more and I’ve also had a chance in the last couple of weeks to get back to my sewing machine and get some creativity flowing. Creating things gives me such a sense of happiness and pride, and I would love to be able to do it all day every day.

Products I’m loving recently:

  • Benefit Dandelion Dew liquid blush – a total whim purchase from Sephora, but this has become a daily staple for me as we start heading into Spring
  • Too Faced Sweet Peach highlighting palette – there is just so much about this palette that I love; I feel like it was made for me
  • Bite Matte Creme lip crayon in pastille – this was one of my Sephora freebies, but after saying ‘I don’t really need another lipstick’ I’ve totally changed my tune and I need more of these in my life!

What’s coming up:

I’m not very far away from my next trip and with that, my next 10K and half marathon, so the next 6 weeks will be spent planning and training. I’m also going to get my butt into gear at work and try and put in as many extra hours as I can without driving myself mad because I want to save as much money as I can in the next few months on top of my regular saving plan.

2017 target update:

(Figures as of last night!)

  • Bloglovin followers
    • 2017 goal: 500
    • Current: 545!! I actually hit 500 at the start of this month, which makes me so happy to have beat my target for the whole year already!
  • Twitter followers
    • 2017 goal: 2500
    • Current: 1972 – I’m finding growth is happening slowly, whether or not it’ll speed up by the end of the year is a different matter..
  • Instagram followers
    • 2017: 2000
    • Current: 1445 – I have gone up about 100 from the start of the year, but with it being such a fickle platform for numbers, I’m not getting my hopes up too much!
  • Page views
    • 2017 goal: 65,000
    • Current: 43640 – I’m so happy to have seen a big growth in my blog starts since the start of the year, and I know that if I can keep it up, I’ll be hitting this goal before the year is out!

And if you want to help me out with any of these numbers, you’ve got my links below!

Twitter / Bloglovin / Instagram

15 Facts About Us

If you’re a regular reader, you’ll know that I generally save the 28th of each month to write a little relationship post, and well would you look at the calendar..?

Matthew and I have now been together 9 months, and today I thought I’d share a few fun facts about us as a couple, y’know, in case you wanted to be nosey!

1. Our first date was to the Oceanarium, and lasted 12 hours

We ended up getting kicked out of the cafe we had spent the evening in when it closed at 11.30pm

2. We’re both stupidly indecisive

Deciding where to have dinner takes an age!

3. I sleep on the left side of the bed, and he sleeps on the right

And I’m a blanket thief

4. We both love a trip to Ikea

I think we’ve been twice in the last month

5. We’ve never seen each other drunk

8 months of long distance means we’ve never had the chance for that embarrassment just yet!

6. We love McNuggets

I mean, who doesn’t, but still..

7. We have a shared Pinterest board for planning our adventures

Its mainly full of cute Pomsky photos that I put on there

8. I’m a Hufflepuff and he’s Ravenclaw

If anyone was interested to know..

9. We regularly argue over how to pronounce some words

There’s a north/south divide that often leads to debates..

10. He does all the singing on car journeys

I just sit back and.. enjoy.. 😉

11. He also spends more time on his hair than I do

Owns more hair product than I do too

12. We still argue occasionally over who pays

Only cos we can both be as stubborn as each other

13. Every day I make him pinky promise not to tickle me

I am crazy ticklish and I will have a panic attack if someone tries..

14. We already have a future sofa picked out

Probably not the most normal thing for couples of our age, but we both agreed on the fact we really liked it!

15. He might not quite be at my level, but we both love Disney

And I think he’s even more excited than I am for our WDW trip in November!

Twitter / Bloglovin / Instagram

A Week in the Life of Lottie – Sunday

After another crazy night of falling asleep way early into a movie, I was surprised that Matthew was awake before I was. He was going in for sim training this morning, so I left quite early and went back to mine, where I got started on usual weekend work: writing blog posts, a stock order for The Happiest Fitness Co etc, while catching up on a few missed weeks of The Great Pottery Throwdown.


Lunchtime seemed to roll around pretty quickly, and resulted in my sister and me ordering Deliveroo and watching The Lorax, which managed to successfully distract me from the appointment I had at the Apple Store to get my phone fixed, so looks like I’ll be going another week with a cracked screen..


After lunch I hit a bit of a creative block, so I decided to remedy it by taking a break and having a bath. I used the Lush Autumn Leaf bath bomb, which was my favourite from the autumn/Halloween collection and I’ve been saving for a day like today, and I also took the opportunity to try out my Sephora eye mask, and had a good long soak while scrolling through Pinterest on my iPad. Question: am I the only person who won’t take a book into the bath for fear of getting it wet, but has no problem using my phone or iPad?


After a little bit of an afternoon slump, I got back to work, this time budget planning for my upcoming Disney trips (very important part of my life) and also writing up a new training plan for my next 8 weeks of running. More tweet scheduling done for the week, then back to writing for a bit! Dad decided to make pancakes for dinner, which felt like a win.

The rest of my evening will be spent tidying up my bedroom a bit, and getting started on a mass wardrobe clear-out that I want to get done this week, then I’m gonna curl up in bed with my book to wrap up the weekend.

Huge shoutout to everyone who’s followed along with me this week, its been quite fun doing something a little different from the usual! Normal blog scheduling will resume tomorrow, but if you ever want a nosey in on my life, there’s always my Instagram story!

Twitter / Bloglovin / Instagram