The good news is that motor insurance premiums are cheaper on average than they were last year. But you cannot rely on insurance companies to offer you the best deals up front.

You need to prepare for the challenge and not allow yourself to be locked out of better rates by industry delays.

Make sure you get your renewal information at the earliest opportunity because the later you check the market, using price comparison websites, the higher the premium is likely to be.

Remember the insurers want to charge you more by selling additional protections, or offer an expensive instalment plan, but they do not want you to move to another company.

Start early. Check exactly what you are paying for. You can save hundreds of pounds for a few hours work.

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