Chill Compares Automatically at Renewal — But What Does That Actually Mean?

If you're like most Irish drivers, renewal season probably fills you with a familiar dread. The renewal notice lands into your inbox, you wonder if you're getting a good deal, and then comes the age-old question: should you shop around or just let it roll over?

Here's the thing — at Chill Insurance, we've already done the shopping for you. When we say "we compare automatically at renewal," we mean exactly that. But let's break down what actually happens behind the scenes, so you know exactly what you're getting.

Step 1: What Does Chill Compare?

When your renewal approaches, we don't just send you last year's price with a bit added on top. Instead, we take your policy and compare it against our panel of 14 trusted insurers to find you the best deal available.

Here's what we look at:

• Your current cover levels and what you actually need
• Your claims history and no-claims bonus
• Your renewal details and any changes in your circumstances

While getting you a brilliant price is important, we're not just chasing the cheapest quote. We also consider the cover options that make sense for you — things like breakdown assistance if you're doing long commutes, or windscreen cover if required. It's about finding the right balance between price and protection.

Step 2: When Do We Start Comparing?

We don't wait until the last minute. A full 30 days before your renewal date, we get to work comparing your options across our 14 trusted insurers. This gives us plenty of time to:

• Search the market properly for better deals
• Review any changes in the insurance landscape that might benefit you
• Prepare a new offer if we find something better than your current policy

If we find a better deal, we'll send it straight to you. No waiting around, no last-minute panic — just clear options delivered with time to spare.

Step 3: What Do You Need to Do?

Here's the brilliant part: absolutely nothing. We already have your details from last year, so there's no forms to fill out, no documents to dig up, and no phone calls to make.

If you like the new quote we send you, just click renew. That's it. We handle everything else — payment, administration, the lot. Your no-claims bonus keeps building, your cover continues seamlessly, and you've saved yourself hours of comparison shopping.

Even if you decide not to renew, you've got a benchmark price to compare against if you do decide to shop around yourself.

Step 4: Why is Chill Different?

Most insurance companies and brokers send you a renewal notice and hope you'll just accept it. Some brokers will re-compare your options, but only if you ring them up and specifically ask.

Chill does it automatically, every single year. We don't wait for you to ask because we know life's busy enough without having to remember to haggle with your insurance company. It's just part of our service — no special requests needed.

The Chill Difference: Convenience, Choice, and Peace of Mind

We're not just about car insurance. We can manage your entire insurance portfolio under one roof — car, home, van, travel, and more. This means:

• One company to deal with for all your insurance needs
• Coordinated renewal reminders so nothing slips through the cracks
• If there's a better deal out there, we'll find it. If there isn't, you'll have peace of mind knowing you're already on a great price. Either way, you win

Why Not Just Go Direct to the Insurer?

Going direct to an insurer might seem like cutting out the middleman, but here's what actually happens:

• You'll need to prove your no-claims bonus
• You'll have to manually compare each insurer's offering
• You'll need to remember exactly what cover levels you had last year
• You'll have to do this every single year, with every single insurer

With Chill, you get the same great deals plus hands-off renewals, no paperwork hassle, and someone in your corner fighting for a better price every year. We're doing the work so you don't have to.

So, What's in It for You?

Let's sum up the benefits:

• Less hassle at renewal — No more spending Saturday afternoon on insurance websites
• Better chance of saving money — 14 insurers competing for your business
• Seamless cover — No gaps, no lapses, no stress
• Peace of mind — You're getting real value, year after year, without lifting a finger

Tired of the Renewal Runaround?

Let us do the boring bit. Get a quote today and experience the Chill difference for yourself. When renewal time comes around, you'll already know we're working to get you the best deal possible.

It's insurance, and it's Chill.