At the top of the list for tips for cheaper car insurance is, shopping around. Comparing quotes from a range of providers, as opposed to just letting your current policy renew automatically, is the first piece of advice an insurance expert will give you. Head to an insurance price comparison website to compare a range of quotes in one go.

If you know your premium is coming up for renewal, try to save up so you can pay it off in one lump sum as paying off your premium month by month through a direct debit can add approximately 11% to the overall cost of your cover compared to paying outright at the start.

Increasing your voluntary excess is another way to help lower your insurance quote, however don’t be tempted to set your excess at too high a rate as if you are involved in an accident, this is the amount you will have to pay before your insurance covers the cost.

If you’re a young driver, consider adding an older driver to your policy as a named driver if they also use your car, or look into taking out a telematics insurance policy. These policies work by placing a box in the car which records data that is then used to calculate the cost of the driver’s policy. If you’re a careful driver and you don’t use your car at peak hours and rack up high mileage, you could benefit from lower premiums with these types of policies.

Follow our top tips to find the very best rates on annual car insurance.

Often claims for whiplash injuries are not being contested by the insurance company as diagnosis of this type of injury can be subjective, the recent study by the MPs found, which deters insurers from fighting the claim as it is hard to defend this type of case.

While the MPs behind the study say they support justice, and those who have been seriously affected as a result of an accident that wasn’t their fault should not be put off seeking compensation. However there was concern that victims who are not seriously hurt or have suffered lasting injury, are being railroaded into making claims from cold calling personal injury companies who persuade them to pursue a claim.

The report from the transport select committee found that the spiralling number of uncontested whiplash claims in the UK is having a negative impact on the cost of car insurance, with premiums rising at a staggering rate in order to fund the claims for compensation. Curbing the number of whiplash claims, would help bring the cost of insurance back under control, it recommends.

Aston Midshires targeted young drivers in particular, offering competitive prices on insurance policies for new drivers and learner drivers. However there are fears that thousands of drivers on UK road could be driving without any form of insurance as the policies sold by Aston Midshires have been brought into question after 30 complaints were received from drivers who’d discovered their policies were not legitimate.

The Financial Services Authority, the police and Trading Standards are all reported to be carrying out investigations into the insurance provider. So far, the authorities have discovered that the company is linked to a foreign address, however Aston Midshires have most recently pulled down their website and also stopped answering phone calls.

When the authorities visited the building listed as the UK address for the insurance company in Leicestershire, the owners of the building said they had no record of the company ever operating from the address.

The consequences for drivers who have invalid policies with Aston Midshires is far reaching as not only are they not covered should they have an accident in their vehicle, but the consequences will affect the other drivers if they have the misfortune to be involved in an accident with a driver who doesn’t have valid insurance.

Hayley Fulton’s car insurance premium stood at £720 for the year prior to moving to a larger property in the same village of Highley in Shropshire with her family. However when the mother-of-two contacted her insurance company to change her home address, with a postcode that was one digit different to her former postcode, her new insurance premium was calculated at £1,600.

Recent Home Office statics revealed that there was a low level of crime throughout the Shropshire village, and no difference at all between the crime rates for both postcodes. However the insurance provider justified the increased premium by stating that the new postcode flagged up on their system as higher risk than the previous postcode Ms Fulton resided at.

Another reason for the increase in price of cover according to the 25-year-old’s insurer, was that the car was kept on the driveway of the family home at the previous address, but at the new home the car would be kept in a gated car park a few yards from the house.

Insurance companies use sophisticated systems to calculate insurance premiums that provide very detailed and specific information on a postcode including levels of fraud, crime and other factors that can affect the cost of a premium. In the case of Ms Fulton, the insurance provider found that the change of postcode and overnight location of the vehicle increased the risk factor of the policy, which resulted in a higher premium cost.

The most common issues being reported to AA insurance include damage to roofs including falling roof tiles, to broken windows caused by falling trees, fallen guttering and damage to cars caused by flying debris.

The continued stormy weather conditions are also having a knock on affect on repair work as high winds in many regions of the UK make it too dangerous for maintenance workers to get onto roofs to repair tile damage for example. Home insurers are recommending policy holders get in touch with their insurance provider before carrying out any repairs as they may be able to arrange temporary repair work to tide the property over until the issue can be resolved properly.

While last winter saw a rise in the number of claims being made on home and car insurance policies due to the icy and snowy weather conditions which affected the UK, this winter high winds and storms are hitting the headlines as Brits bear the brunt of this extreme weather.

The AA say roofs and cars are coming out as the areas in which most calls are being received with an increase of 12 times the normal ratio to report damage relating to these two areas. Overall calls to the AA are up by 200% compared to the number of calls usually received at this same time in previous years.

The new app from Zurich is available to download onto Android and iOS devices and allows customers to record data following an accident, report an incident, and track their claim through the company.

These types of features are standard of insurance apps, however the Zurich application also provides customers with information on the nearest Zurich approved mechanic or home maintenance engineer, and also a helpful parking locator tool as well as advice on how to minimise the risk of a mishap in the home and tips for driving in severe weather conditions.

Having an app to hand when you encounter an accident can be especially beneficial in the claims procedure as the step by step guide ensures you record all relevant information your insurer will need to carry out a claim.

The app will also enable customers to submit pictures of damage which can be beneficial when filing a claim, and also ensure that the whole claim process is fast and efficient as information is received by Zurich with just a few taps of your phone keypad.

In a case highlighted in The Mirror this week, 51-year-old Tony Costello revealed how his car insurance rocketed from £630 a year to £861 after he contacted his insurance company to inform them that he’d been made redundant.

After checking the small print on his insurance policy, Mr Costello found that his car insurer, Tesco, had stipulated that loss of employment can affect the cost of the premium.

The Association of British Insurers also reiterated this point, saying that many insurers increase the cost of cover after the policyholder loses their job as statistics there is an additional risk factor once a person becomes unemployed. There’s also an argument that the driver is likely to be on the road more as he or she is out looking for work and attending interviews.

The car insurance company in Tony’s case said that the additional £231 which had been added to the cost of his premium after he became unemployed would be refunded should he find work, although an admin cost of £15 would apply to each change made.

Following two successive of rises in car insurance premiums, in which an increase of 12% was calculated between 2009 and 2010 and a jump of 9% reported over just 9 months of this year believed to be linked to replacement car costs, the OFT have announced they plan to look into the rising cost of cover.

In recent years the OFT identified personal injury claims as one of the main causes for huge hikes in the cost of insurance, however more recently the regulatory body has highlighted credit hire replacement cars and third party vehicle repairs as two areas which it believes may be having an impact on the rising cost of car insurance premiums.

The credit hire companies offer a replacement car to the drive that was not at fault in the accident to use while their car is being repaired. This is being offered to the driver, regardless of whether they had a replacement car feature on their policy or not as the cost of the hire car is then passed onto the insurance company of the driver at blame, driving up the cost of a claim further. The impact of these more costly claims is then being felt by motorists in the form of more expensive premiums.

The OFT is continuing to probe this issue and will have concluded its enquiry by early next year.

In first place, it’s that Irish classic from the Pogues, Fairytale of New York, which often tops polls for favourite Christmas songs, the main reason often being because it isn’t as blatantly Christmassy as some of the other festive anthems that get played on a loop at this time of the year.

The runner up prize for second place was clinched by I Wish it Could Be Christmas Every Day, followed by Merry Christmas Everybody by Slade, while the most aptly named festive driving tune, Driving Home for Christmas found itself in fourth place on the list, followed by Do They Know It’s Christmas, Wham’s Last Christmas, with Mariah Carey’s All I Want For Christmas was in seventh place, followed by Happy Xmas (War is Over), Wonderful Christmas Time and Baby It’s Cold Outside was voted the 10^th most popular according to the poll from the insurance provider.

The classic Christmas songs seemed to triumph in the list, with more recent festive releases not finding their way into the top 10 at all. However the insurance company warned that although many of us will singing along to our favourite Christmas songs while driving over the festive period, this time of year often throws up challenging driving conditions so it’s vital your concentration is on the road, and not your singing, first and foremost.

Ask the Tiger is the name of the new interactive FAQ feature offered via the independent car insurance price comparison site’s social media page. Fans of the company on Facebook will be able to post their questions and get a response within 24 hours.

Tiger.co.uk first introduced the interactive support facility to their main website back in February of this year, however the insurance provider decided to make the feature even more accessible for their users by installing the service on their Facebook page making it even more convenient for customers to get answers to their questions.

Since its launch back in 2009, tiger.co.uk has been striving to track down the most affordable deals on motor insurance for its many UK based customers by comparing quotes across a massive range of 140 insurance providers.

With the introduction of tiger’s new interactive FAQ service on Facebook, the comparison website hope to make it even easier than before for their users to track down a value for money car insurance policy which is ideally suited to their driving needs.