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.
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My Blogging Time Saving Hacks

I take a lot of pride in maintaining my blogging routine of at least 5 new blog posts a week, alongside working full-time and running a few small businesses.

Time is always of the essence for me, and over 6 months I’ve discovered a whole bunch of ways to ensure that I’m not wasting those precious minutes, and here are a few of my favourites:

Pre-writing scheduled tweets

Scheduling tweets is blog promo 101, but I used to find it such a chore sitting and choosing which posts to schedule, then writing them out and auto-pilot-typing those same set of hashtags and RT accounts over and over. No more! Every time I publish a new post, I write a promo tweet for it, and then I copy and paste this into one huge document of all of my posts, complete with tags and all. I have these categorised into different topics, so I just have to rotate between lifestyle, beauty, food, travel, Disney etc, and copy and paste a post from each category for each day.

The Buffer extension on iOS

I also used to think I could only schedule tweets from my laptop so that I could link posts, but I’ve since discovered that if you add the Buffer extension to Safari, I can schedule post tweets straight from my phone!

Instagram drafts

Although I’m finding them super glitchy at the moment, the drafts feature on Instagram is my favourite update since stories. I spend my work breaks editing all my photos and writing captions, then whenever I need to post I just have to pull it back up and hit publish!

Bulk writing series posts

When I have a new series planned, like my Glass Slipper Camp workout posts or pre-Disney trip outfit posts, I’ll try and sit and write them all in one go and get them scheduled and out of the way. I can only really do this when I know exactly what I’ll be writing/posting, but it works for some series!

Giving yourself a break

Ultimately, the best time saving hack is remembering that if life gets in the way and I don’t have enough time to get a couple of posts out, its okay. Rather than stressing out about stats or a dip in views, you just have to let it go and accept that life comes first, and that its alright to miss a day or even a week if you need to. Letting go is a blessing.

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50 Post Ideas for Disney Bloggers

Disney Blogger Ideas

In a #disneybloggerschat (Thursday 8pm) a few weeks back, I was a little upset by the number of people saying that where they struggle most when it comes to Disney blogging is actually not having enough ideas for posts. It bothered me, because all the Disney bloggers in the community are totally fab and I love reading everything they have to write, so my primary reaction was ‘what can I do to help?’..

Personally, I’m always intrigued when I see those ’50 blog post ideas’ or ‘101 Instagram photos’ posts, so I thought I’d give my own version a go, and if I can provide a little bit of inspo for my fabulous Disney blogger friends, then I’ll be a happy girl!

  • Collection posts:
    • Mickey ears
    • Disney mugs
    • Disney artwork
    • Funko pops, vinylmations, Traditions etc
    • Tsum tsums and soft toys
    • DVDs and O-rings
    • How you display your collections
    • Advice to others wanting to start collecting
  • Movies:
    • Your top 5 favourite movies
    • Movies you watch when you’re happy/sad/need inspiration etc
    • Favourite moments
    • Favourite character and why
    • Most underrated films
    • Most overrated films
    • Favourite soundtracks/songs
    • Movies you’ve never seen/want to see
    • Thoughts on upcoming releases
  • Disney parks:
    • Park bucket lists
    • Your favourite park and why
    • Favourite rides
    • Favourite character meets
    • Things you’ve never done
    • Favourite places to eat
    • Dining reviews
    • Eating in the parks with dietary requirements
    • Hints and tips for others
    • Favourite photos
    • What’s in your park bag?
    • Things you HAVE to pack for your trip
    • Disney park must-dos
    • Hotel/resort reviews
    • Trip diaries
    • Trip hauls
  • Disney lifestyle:
    • Best places to buy Disney merch
    • Disney small business spotlights
    • Your Disney wardrobe
    • Disney outfit posts
    • Disney inspired makeup looks
    • Disney hairstyle tutorials
    • Favourite Disney bloggers
    • Favourite Disney vloggers
    • Favourite Instagram accounts
    • 5 Disney blog posts you’ve loved recently
    • Why Disney means so much to you
  • Disney DIY and crafts – even if they turn out to be a disaster!
    • Recreate your favourite Disney food
    • Try making your own ears
    • Bake Disney inspired cupcakes
    • Buy some iron-on patches and customise a denim jacket/jeans
    • Make a collage of photos from trips
    • Cosplays and handmade Disneybounds

I really hope that this can get the ball rolling if you’re stuck in a little bit of a blogging rut, or if you just fancy something a little different!

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Great Ways to Try New Beauty Products

Testing Beauty Products

Sometimes I wish brands would stop releasing so many great products. I mean, I own 40 lipsticks (a fact I’ve recently discovered) but that doesn’t make me any less likely to treat myself to a new one every now and then.

See, the problem with beauty products is that, sure, you can test them in store, but in the end you have to take the plunge and buy the product, and then pray that you like it as much as that little swatch on your hand. But what if you don’t? You’ve then gotta go through the hassle of Depop-ing that ‘swatched only’ product and deal with a bunch of people offering you £5 inc p+p for something you dropped £25 on.

So what should you be doing instead?

Minis

Minis are most commonly found in perfume form, but did you know that brands like Benefit also do scaled down sizes of their best selling products? Boots do selections at 3 for £25 or 4 for £15 here, and not only do they make it easy for you to try out great products for a fraction of the price, but they’re also perfect travel sized products!

Magazine samples

I can’t be the only one who chooses magazines based on the free gift, right? Sure, its less of a big deal with grown-up magazines, but I still get a little excited when I see a free nail varnish or beauty sample, and even if there isn’t a free gift as such, they’re often still full of hidden gems like perfume samples!

Feel Unique Pick’n’Mix

This is my favourite discovery this year. The Pick’n’Mix scheme is simple and brilliant: choose 5 products out of a huge selection of what’s available, and pay just £3.95 to cover postage. This £3.95 is then returned to you in the form of a voucher to spend against a future purchase, should you fall in love with what you tried. Not only does it give you a free way of trying products, but there’s such a wide range of products, you might try something you’d never think about before. You can only do this once a month, but already I’ve tried NARS, Trilogy, NudebyNature, Benefit, theBalm and much more!

Have you tried any great products recently?

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