If you’re having a baby your lifestyle will probably change. For example, you may be doing fewer miles. This will lower your premiums so tell your insurance company. If your premium reduces, make sure you get a refund
If you are on maternity leave, then your occupation for insurance purposes stays the same. If you leave work to look after your child, then tell your insurers that you are a stay at home mum (don’t say unemployed if you are a housewife – this will save you about 10%)
At renewal time, it takes less than 10 minutes to find the best quote by using a comparison site. Better still, take 20-30 minutes to use the four main sites who cover over 90% of insurers
Always play around with the variables for your quote. They can make a HUGE difference
Think about the cover you need as a mum. A courtesy car following an accident may be more important to you when you have children to drive around. Breakdown cover will help you in a crisis. Are replacement keys covered if they get lost?
Check the provider will replace your child’s car seat if you have an accident
Play around with some of the variables to try and decrease your quote even further. This could take you another 10 minutes but the extra time is worth it. We have done it and found that the savings can be HUGE!
No claims bonus – This is THE BIG ONE. The longer you have gone without making a claim, the lower your premium. In a lot of cases, no claims of 5 years or above could lower your premium by 60 to 70%! You will find your current no claims bonus on your insurance certificate
Your occupation – you may become a stay at home mum, or your job may change. Choose the title that best applies to you (but do not lie) and see if the premium changes. Changing your title from unemployed to housewife can save you 10%!
Excess – Raising your excess by a couple of hundred pounds can cut your premium by up to 20%. However, you will have to pay this amount at short notice if an accident happens so please make sure you can really afford it
Security – don't forget to mention any alarm you have, this lowered our premium on average by about 5%
Mileage – be honest. If you are only doing short journeys each day, your mileage may be low. 5,000 miles a year is just over 13 miles every day. Reducing your mileage from 15,000 to 5,000 will save you nearly 20% on average
Go Direct
Once you have your cheapest quote, you should try that insurer direct to make sure you have the best deal. It is always worth checking the insurers who do not appear on comparison sites too
Your seat belt may be uncomfortable when heavily pregnant. It’s illegal to not wear it, so use a Bump Belt to make you more comfortable
Legally your child must be seated and driven in a correctly secured car seat that is suitable for the child’s weight and size. This is typically a rear facing baby seat until 15 months old, a forward facing car seat until 3 years old, and a booster seat or cushion until 12 years old or 135cm tall
It is easy to be distracted by your child. Avoid turning around to help them. You should keep your eyes on the road until you find a safe place to stop. A back seat mirror will help you see your baby’s face in the rear view mirror
Baby on board stickers help make other drivers aware of your precious load, but make sure they don’t obscure your vision
If you have penalty points, as 1 in 6 drivers have, then you should still shop around for your insurance rather than auto renew
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