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Insurers want extra money from your pay packet, and usually, they get what they want.

Seriously — take a look at your latest bill. Now look at the same one from a year ago. Are you paying more?

If the answer is ‘yes’, you may well wonder why.

Your insurer grows its stash of cash by automatically renewing your policy every year and charging you more for the pleasure. Sometimes the price hikes creep up on you, and other times it’s an in-your-face monster, devouring your hard-earned savings in one big gobble.

Chances are you’re here because you’ve noticed your premium change for the worst. You did the right thing — let’s get started.

Need more information?
Insurance articles and guides
FAQs on Gocompare.com
Dare to compare
Auto-renewal is lauded as ‘hassle-free’ — no thinking, or bother required, and astonishingly that’s a justification for loading on pounds, low-key.

Shoppers — rise up! There’s no need to roll over and accept a hiked premium, or overpay for insurance, ever.

Huge insurance savings are ripe for the picking, but only those who dare to compare, win.

Price versus policy
It’s not all about the money, money, money — you may also find that you get a policy that rocks your world and ticks the boxes, at a price you’re comfortable with.

GoCompare built its name and reputation on its ground-breaking insurance comparison service, and this remains at the heart of everything we do.

We were the first comparison site to focus on showing you the features of insurance policies as well as the price, and as we’ve developed our services the aim continues to be to find you the right product at the right price.

To help make your choices fair and simple, we’ve introduced features such as Defaqto product ratings — star-gradings of policies from an independent financial research company which is recognised and respected throughout the insurance world.

Insurance essentials
The costs of auto-renewal
Avoid doubling up on cover
Declarations and non-disclosure
We’ll give you the information you need, completely unbiased.
We’ll help you find the right products — less time, less hassle.
We’ll never sell your data. Ever.
We’re the only price comparison site that has British Insurance Brokers’ Association (BIBA) membership, a fact that helps us keep up with the latest in best practice, and we’re authorised and regulated by the Financial Conduct Authority.

GoCompare has got you covered
We’re best known for car and vehicle cover, but there’s so much more to us than that.

If you need property, life, health, income, pets, business and travel insurance, we’re your go-to.

Get quotes for this and more, plus read product guides and articles, watch videos, or take time to tot-up your costs with calculators and myth-bust your finances with quizzes to help answer all your questions.

Or, just chat to our customer service team (they promise not to sing… unless you want them to!)

So, don’t let your insurer trap you for two, three, four or more years with an increasingly demanding bill. Kick auto-renewal to the kerb and find an insurance policy that’s fairer on your bank account.

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[1]Correct as of 18th October, 2017
[2]Based on independent research by Consumer Intelligence during 1 September to 30 September, 2017:
51% of consumers could achieve a saving of up to £279.43 with Gocompare.com car insurance based on a comparison of 29 companies

[3]Gocompare.com introduces customers to Runpath (registered as Runpath Group Limited). Runpath provides a gas and electricity comparison service. Gocompare.com relationship with Runpath is limited to that of a business partnership, no common ownership or control rights exist between us
[4]Gocompare.com introduces customers to theidol.com which is authorised and regulated by the Financial Conduct Authority. theidol.com is a trading name of Investment Discounts Online Limited. Gocompare.com’s relationship with theidol.com is limited to that of a business partnership, no common ownership or control rights exist between us
[5]Gocompare.com introduces customers to broadbandchoices which is not regulated by the Financial Conduct Authority. Gocompare.com’s relationship with broadbandchoices is limited to that of a business partnership, no common ownership or control rights exist between us
[6]For comparing quotes online, Gocompare.com introduces customers to theidol.com
For help, guidance and advice, Gocompare.com, introduces customers to Assured Futures Limited. Assured Futures Limited is authorised and regulated by the Financial Conduct Authority no. 176392. theidol.com and Assured Futures are authorised and regulated by the Financial Conduct Authority and Gocompare.com’s relationships with these companies are limited to that of a business partnership, no common ownership or control rights exist between us

[7]For loans Gocompare.com introduces customers to Lovemoney.com Financial Services Limited which is authorised and regulated by the Financial Conduct Authority. Gocompare.com’s relationship with Lovemoney.com Financial Services Limited is limited to that of a business partnership, no common ownership or control rights exists between us
Please note, we cannot be held responsible for the content of external websites and by using the links stated to access these separate websites you will be subject to the terms of use applying to those sites
What Is Income Protection Insurance?
If you were unable to work due to illness or injury, income protection can help you manage your expenses until you get back on your feet. Here’s a detailed look at income protection and what it covers.

What are the benefits of income protection?
Research suggests that over 50 per cent of Australians are not sure they would have enough financial support if something happened to them or their partner and they couldn’t work.*

That’s where income protection insurance could come in handy.

Income protection provides up to 75 per cent of your annual income if you become sick or injured over a short- or long-term period. It will keep you covered until you’re able to return to work or have reached the maximum benefit period allowed by your policy.

The key benefits of income protection insurance include:

Income replacement. Provides up to 75 per cent of your annual income so you can manage your expenses if you’re unable to work due to sickness or injury.
Paid as a monthly benefit. You’ll receive monthly payments to help cover your everyday expenses.
Choice of benefit period. Benefit periods generally range from two years all the way up to 65 years (depending on eligibility).
Choice of waiting period. Depending on your needs (and eligibility), you can choose different waiting periods anywhere from two weeks to two years.
Can be funded through super. Income protection can also be funded through your superannuation, which means it won’t impact your take-home pay. Bear in mind that these payments won’t be tax deductible for you.
Even better, your income protection insurance premiums may qualify as a tax deduction, potentially making the choice to protect your income a more affordable part of your monthly budget.

Who needs income protection insurance?
While everyone’s situation is different, income protection insurance can be a good idea if:

You are the sole income earner in your household.
Your family relies on your income.
You have car payments, a mortgage or rent.
You are self-employed.
You have a specialist occupation e.g. medical professional.
Income protection ensures that you will be able to meet your monthly expenses if you’re unable to work due to sickness or injury, giving you and your family greater peace of mind.

The key factors that determine the level of cover you may be eligible to receive include your age, occupation, income and health (including any pre-existing conditions).

Remember that your occupation may also have an impact on the type of cover you need. For instance, medical professionals may need specific levels of cover relating to their occupation, such as to cover needlestick injuries.

How do I choose a policy?
There are two types of income protection insurance:

Agreed value insurance. Your income protection monthly benefit is based on your income substantiated by financial evidence at the time of application. Generally, the monthly benefit is guaranteed by the insurer at claim time regardless of what you were earning prior to your disability. As a result, these policies tend to cost more.
Indemnity value insurance. Your income protection payment amount is based on the income you were earning prior to your disability substantiated by financial evidence at the time of a claim.
When choosing a policy type, term length and waiting period, it’s worth considering things such as access to annual leave or sick leave pay, ‘rainy day’ savings and financial commitments.

If you’re thinking about income protection, iSelect can help tailor a policy to suit your needs and your budget. Compa