Tonight 7:15pm ITV @itvMLshow - millions are being ripped off on car and home insurance prices. — Martin Lewis (@MartinSLewis) January 27, 2026"I've a perverse warning for you," Martin told readers in his useful Money Saving Expert newsletter. If you're too busy to check the price and your policy auto-renews, you’re likely to be hit with a 'lazy loyalty' penalty. “Sometimes separate policies from different insurers work out cheaper overall.”Always check with a comparison toolThat’s where comparison tools come in. "Probably the best known is Admiral, but LV, Aviva, Diamond and Elephant also offer these policies," says the newsletter.