Insurance providers often offer 10-20% discounts for bundling policies (home + contents, home + car, multiple cars, sometimes life insurance). Most adults buy each separately from different providers and miss the bundle discount.
Where bundling works
Home and contents (almost always cheaper bundled). Home and car (often). Multiple cars (almost always). Life insurance with home or income protection.
How to check
Get quotes for each policy separately, then for bundle. Compare across providers (Compare the Market, GoCompare, MoneySuperMarket). Best bundle savings often at Aviva, Direct Line, NFU Mutual for larger combinations.
Annual check (when renewing) ensures you're capturing current best deal. Loyalty premium is real — providers often increase prices for existing customers; switching or renegotiating saves £200-500/year.