How to get cheap car insurance (the My Side Gig way)

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Car insurance is one of those annoying yearly costs… but if you play it right, you can cut the price AND get paid to take it out.

Here’s the exact beermoney UK strategy:

Step-by-step: How to get the cheapest car insurance

Time it right (this matters more than anything)

The sweet spot is ~21–26 days before renewal.

• Too early = insurers think you’re disorganised

• Too late = you look risky → prices go up

This alone can save you £100+ vs last-minute quotes

Start with comparison sites

Use:

• Compare the Market

• GoCompare

• MoneySuperMarket

Run quotes on all of them — prices vary a lot.

Boosted method: Use TopCashback Compare (this is the edge)

Get £45 cashback on your policy - Instead of going direct, use TopCashback’s own comparison tool:

How it works

Step 1: Quote
Enter your details and get quotes for your car insurance.

Step 2: Compare
Browse policies from 160+ trusted providers (e.g. Admiral, Aviva, RAC, Hastings Direct).

Step 3: Cashback
Buy your policy through the platform → get ~£45 cashback paid back to you.

Why this is powerful

• Combines comparison + cashback in one place

• Access to hundreds of insurers

• Over £10m+ paid out to members

• Typical earnings: ~£45 per policy

It’s basically the same as using comparison sites…
but you get paid for it

Important rules

• Cashback is not deducted upfront — it tracks after purchase

• Usually becomes payable after validation (can take weeks/months)

• Don’t mix with voucher deals (can void cashback)

Double-check with Quidco

Sometimes Quidco tracks better or offers slightly different deals.

Worth a quick comparison before buying.

Stack extra cashback (easy win)

Pay using:

• Cashback debit/credit card

• PayPal rewards (if available)

Even 1% back = extra free money

Consider paying annually (then “stooze” it)

Monthly = interest

Instead:

• Pay upfront (cheaper)

• Use 0% credit card if needed

• Earn interest on your cash

Check your renewal too

Insurers can’t overcharge loyal customers like before.

Sometimes your renewal is actually competitive — always compare it.

Bonus hacks most people miss

• Add a second (low-risk) driver

• Adjust job title (accurately)

• Increase excess (if safe)

• Try different mileage estimates