What Is the Beat Your Renewal Guarantee?
At Confused.com, we believe you should never pay more than you need to for insurance. That's why we created the Beat Your Renewal guarantee β our promise that we'll find you a cheaper like-for-like car insurance policy, or we'll pay you the difference plus an extra Β£20 on top.
It's the ultimate safety net for anyone who's worried they might not find a better deal. And it's a guarantee that no other major comparison site currently matches. Whether your renewal quote has gone up by Β£50 or Β£500, our Beat Your Renewal promise gives you the confidence to compare β because you literally can't lose.
How Does It Work?
The process is straightforward and designed to be as hassle-free as possible. Here's exactly how Beat Your Renewal works, step by step:
Step 1: Get Your Renewal Quote
When your car insurance renewal letter arrives from your current insurer, note down the price and the key details of your cover β including your excess, no-claims discount level, and any extras or add-ons.
Step 2: Compare on Confused.com
Enter your details on Confused.com and run a comparison. We'll show you quotes from over 100 trusted UK insurance providers in minutes. Our system automatically searches for the best deals based on your specific circumstances, including your driving history, vehicle, location, and cover requirements.
Step 3: See if We Beat Your Renewal
Compare the quotes we find against your renewal price. In most cases, you'll find a cheaper deal β our data shows that 51% of car insurance customers save an average of Β£511 when they compare through Confused.com.
Step 4: If We Can't Beat It, We Pay You
In the rare event that we can't find a cheaper like-for-like policy, we'll pay you the difference between your renewal price and our best quote, plus an extra Β£20 as a goodwill gesture. That means you're covered either way β you either save money by switching, or we compensate you for your time.
What Counts as "Like-for-Like"?
For the guarantee to apply, the comparison needs to be fair. "Like-for-like" means a policy that matches your renewal quote on these key factors:
- Cover level β comprehensive, third-party fire and theft, or third-party only
- Excess amount β the same compulsory and voluntary excess levels
- No-claims discount β the same NCD level and protection status
- Named drivers β the same drivers listed on the policy
- Mileage β the same estimated annual mileage
- Core cover features β matching the essential elements of your existing policy
Optional extras like breakdown cover, legal expenses, or courtesy car provision are not included in the like-for-like comparison, as these vary widely between providers and policies.
Terms and Conditions You Should Know
Like any guarantee, there are some conditions to be aware of:
- The guarantee applies to car insurance only β it doesn't currently extend to home, travel, or other insurance types
- You need to compare within a specific timeframe β typically within 30 days of receiving your renewal quote
- The comparison must be run through Confused.com β quotes obtained directly from insurers or through other comparison sites don't qualify
- The policy must be genuinely like-for-like β as described above, the key terms must match
- Claim submissions must include supporting evidence β such as a copy of your renewal quote and the Confused.com comparison results
Why Do Renewal Prices Go Up?
It's a common frustration: you've had no accidents, made no claims, and driven safely all year, yet your renewal price has still gone up. There are several reasons why this happens:
- Rising repair costs β the cost of car parts, labour, and materials has increased significantly in recent years
- Increased claims frequency β more cars on the road and more extreme weather events mean more claims across the industry
- Insurance Premium Tax (IPT) β this government tax on insurance premiums has risen over time
- Regulatory changes β new rules around claims management and pricing practices affect how insurers calculate premiums
- Your personal risk profile β changes to your circumstances, such as a new address, different vehicle, or expired no-claims protection, can affect your price
The Loyalty Penalty: Why Auto-Renewing Costs You More
For years, insurers used a practice known as "price walking" β gradually increasing premiums for loyal customers while offering cheaper prices to new customers. Although the Financial Conduct Authority (FCA) introduced rules in 2022 to address this, the reality is that auto-renewing without comparing can still cost you significantly more than shopping around.
Our advice? Never simply accept your renewal quote. Even if the price looks reasonable, there's almost always a better deal available elsewhere. The few minutes it takes to compare could save you hundreds of pounds.
Real Savings from Real Customers
The numbers speak for themselves. Here's what Confused.com customers typically save when they compare instead of auto-renewing:
- Average car insurance saving β Β£511 for 51% of customers who switch
- Average home insurance saving β Β£215 for customers who compare buildings and contents cover
- Time to compare β just a few minutes to see quotes from 100+ providers
These aren't theoretical numbers β they're based on real customers who took a few minutes to compare and walked away with significantly more money in their pockets.
Rewards+ Makes It Even Better
On top of the savings you make by switching, Confused.com's Rewards+ programme gives you even more reasons to compare. When you buy car or home insurance through Confused.com, you can earn a Β£20 gift card and free monthly hot drinks for a year at selected cafΓ© chains. It's our way of saying thank you for choosing Confused.com β because we believe comparing should be rewarding in every sense.
Don't Accept Your Renewal β Compare It
Your renewal quote is just the starting point of a negotiation, not the final price. With the Beat Your Renewal guarantee, you have nothing to lose and potentially hundreds of pounds to gain. Compare your car insurance on Confused.com today, and get that great feeling when you know you're not paying a penny more than you should.