Costs of your premiums can also increase if you include critical illness cover, income protection, or include an investment element into your policy.
Get more than one quote if possible! Prices do vary, so shop around.
Ask your friends! Find out who they recommend and who they don't!
Compare quotes with your current policy - make sure you're getting a better deal.
Use the same insurer - you may get discounts if you already have a policy with them.
Increase your excess. A higher excess will mean lower premiums.
Pay for the cover that you need.
