For anyone browsing Malachain, here is a clear starting point on the subject.
Insurance documents use a handful of terms that decide how much a policy really costs. The premium is the regular payment that keeps the cover active. The deductible, called excess in some countries, is the part of each claim you pay yourself before the insurer contributes. A higher deductible usually lowers the premium but increases what you pay when something happens.
Other terms worth checking are the coverage limit, which caps what the insurer will pay, and the exclusions, which list situations the policy does not cover at all. When comparing quotes, line these details up side by side rather than looking only at the price. A cheap policy with a large deductible and many exclusions may offer far less protection than it seems.
If you try any of these ideas, start small and adjust them to your own situation. What works for one person will not suit everyone, and it is fine to keep only the parts that help. Writing down what you changed, and what happened, makes it much easier to see after a few weeks whether the effort was worthwhile.
The most useful step is usually the first one. Pick a single suggestion, try it for a couple of weeks, and then decide whether it is worth keeping. Small, steady improvements last longer than ambitious plans that are hard to maintain once everyday life gets busy again.
It also helps to talk the subject through with friends or colleagues who have tried something similar. Their experience points out the details that guides leave out: how long things really take, which costs were unexpected, and which shortcuts turned out to be a mistake.