4 tips to cut home and contents insurance premiums, not cover

1. Ask for a loyalty discount. Bundling all your insurance with the one company may entitle you to an even bigger discount.
2. Choose a higher excess if you can afford it. Generally, the higher the excess, the lower the premium but remember, it's not worth having cheap insurance if you can't afford to make a claim.
3. If you have installed security alarms, deadlocks or smoke alarms, find out if these will reduce your premium.
4. Don't just pay your renewal. Shop around for a better deal. You might be surprised what you find.

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