{"id":11,"date":"2026-05-27T09:00:00","date_gmt":"2026-05-27T09:00:00","guid":{"rendered":"https:\/\/demos.canvaswp.com\/insurance\/2026\/05\/27\/why-your-renewal-quote-went-up\/"},"modified":"2026-05-27T09:00:00","modified_gmt":"2026-05-27T09:00:00","slug":"why-your-renewal-quote-went-up","status":"publish","type":"post","link":"https:\/\/demos.canvaswp.com\/insurance\/2026\/05\/27\/why-your-renewal-quote-went-up\/","title":{"rendered":"Why your renewal quote went up when nothing changed"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Insurance prices are set by what a whole group of similar policies cost to settle, not by your individual year. A clean twelve months can still arrive alongside a higher renewal if repair costs, claims frequency or reinsurance rates moved.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What you can actually control<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n\n<li>Raise the voluntary excess to a figure you could pay tomorrow<\/li>\n\n\n<li>Pay annually rather than monthly where you can<\/li>\n\n\n<li>Remove add-ons duplicated by a bank account or card<\/li>\n\n\n<li>Re-quote every year rather than auto-renewing<\/li>\n\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">The last one is worth more than the other three combined, and it takes about ten minutes.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Your risk did not change. The pool you are priced against did, and so did the cost of settling everyone else in it.<\/p>\n","protected":false},"author":25,"featured_media":55,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[17],"tags":[18,19,20],"class_list":["post-11","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance-tips","tag-insurance-tips","tag-pricing","tag-renewals"],"_links":{"self":[{"href":"https:\/\/demos.canvaswp.com\/insurance\/wp-json\/wp\/v2\/posts\/11","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/demos.canvaswp.com\/insurance\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/demos.canvaswp.com\/insurance\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/demos.canvaswp.com\/insurance\/wp-json\/wp\/v2\/users\/25"}],"replies":[{"embeddable":true,"href":"https:\/\/demos.canvaswp.com\/insurance\/wp-json\/wp\/v2\/comments?post=11"}],"version-history":[{"count":0,"href":"https:\/\/demos.canvaswp.com\/insurance\/wp-json\/wp\/v2\/posts\/11\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/demos.canvaswp.com\/insurance\/wp-json\/wp\/v2\/media\/55"}],"wp:attachment":[{"href":"https:\/\/demos.canvaswp.com\/insurance\/wp-json\/wp\/v2\/media?parent=11"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/demos.canvaswp.com\/insurance\/wp-json\/wp\/v2\/categories?post=11"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/demos.canvaswp.com\/insurance\/wp-json\/wp\/v2\/tags?post=11"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}