NOW IT PAYS TO BE SAFE

FED UP paying through the nose for home insurance? Here's a great way you can get £50 cashback AND SAVE £££s off your monthly premiums.

Insurance companies are so keen for your custom in the current climate they're prepared to offer some truly amazing deals.

My new cashback website is PACKED with CRUNCH-BUSTING OFFERS, which could save you HUNDREDS OF POUNDS a year.

All you need do is go to www.notwcashback.co.uk and register your details before using the menu to search out the best deals.

Lloyds TSB are offering a hefty 15 per cent discount PLUS up to £50 cashback when you take out their buildings and contents insurance.

There are also deals from Halifax, Endsleigh and Budget.

When I asked a colleague to road test the service he saved nearly £20 a month AND earned £50 in cash.

Policy

You can read about how he did it in the case study below.

The policy he selected covered all the usual worries such as fire, theft or damage by storm, along with generous third party liability insurance. Make sure the policy you select is enough to cover the cost of rebuilding your home in the event of a disaster, along with funding for alternative accommodation.

If you are unsure how much it would cost to rebuild your home, your mortgage provider might give you an estimate (some mortgages may require you to have a minimum level of cover).

In some cases you don't need to wait for your old policy to run out before you to switch to a better deal, but you should check there are no cancellation charges.

There are no hidden extras with our offer, but you MUST visit notwcashback. co.uk to complete any transactions.

If you go directly to an insurer's website without clicking through from the cashback site you will not be entitled to money back.

Remember too, that cover levels can vary from insurer to insurer, so always read the small print.

CASE STUDY: HOW TO MAKE £278 IN 1 HOUR

HERE'S one homeowner who's already saved nearly £280 on his insurance thanks to Captain Cash. Mr T had cover with a major mortgage provider who charged £578.40 a year for building and contents on his three bed terraced house in north London-with monthly instalments of £48.20.

He registered with notwcashback.co.uk and clicked on our Lloyds TSB offer. He was quoted £349.91, payable at £29.16 a month.

Cover details stated he'd receive £400,000 buildings cover and £50,000 for contents (maximum value per single item £2,500).

Mr T's existing policy wasn't up for renewal until spring, but he checked with his provider who said there would be no cancellation charges. He signed up with Lloyds TSB and received an email confirming he was now covered. Documents arrived by post a few days later. The deal was subject to a 14-day cooling off period.

The transaction took around ONE HOUR and saved Mr T £19.04 a month as well as earning him £50 CASHBACK. Mr T said: "The levels of cover are similar, the main exception being that rebuild costs on the Lloyds policy are capped at £400,000, but since this is more than enough to reconstruct the house I still have peace of mind."

TOTAL SAVING (including £50 cashback): £278.49

WAY TO GET STARTED

ALL you have to do to join in and save money is register with notwcashback.co.uk and search for offers on the site. Your order will be automatically tracked and any cashback is paid to you.

To find out what level of cover you will get if you buy insurance online read the policy details on the insurer's website. Seek independent advice if you are unsure.

There are no fees or charges for joining the cashback scheme. The News of the World can afford to offer our cashback service free to readers because we charge businesses a separate commission when you buy.

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