Need to renew your home insurance? Provided you haven't made a claim you can save £100s by using Martin's step by step guide to grab 60 quotes, plus cashback, in minutes.

Quite simply, the trick is to get the cheapest cover for your risk then combine comparison sites in the correct order to increase your number of quotes in the shortest time possible. This takes mere minutes to do, and as long as you haven't claimed on your policy, most insurers will allow you to cancel theirs with a pro-rota refund or if there is a penalty, you're still likely to save more than their cost.

Step 1: Lower your risk

Martin's step by step guide shows you first how to assess your risk category, the key being to ensure you're as low a risk as possible. Having approved window and door locks and even a community Neighbourhood Watch can lower the risk you're perceived to be, thus lower your premium.

Further tips on how to lower the risk category you're in are detailed in Martin's Cheap Home Insurance Tricks article.

Step 2: Get quotes from four comparison sites, in a specific order

Next, combine four web comparison services, in a specific order, to get the maximum number of quotes in the shortest time. This'll achieve around 60 results, highlighting the policy that's cheapest for the cover you need.

These four web comparison services and the specific order to use them in are listed in Martin's Home Insurance Cost Cutting article.

Step 3: Cashback too

Once you've found the cheapest policy, it's possible to get cashback on top, simply by buying your cover online via a cashback website. These special sites have paid links from retailers and financial service providers, meaning if you click through them and get a product, the site gets paid. Yet, most importantly, the site will then give you some of this cash, so you get the same product, but a cut in the advertising revenue too.

Full details on how to make extra savings when buying products via the web are in Martin's Top Cashback Sites article.

Step 4: Haggle

Finally, armed with the cheapest quote possible, get on the phone to your existing insurer and tell it to match, if not better it. The home insurance market is extremely competitive so don't be scared to haggle; companies are desperate to retain business and the worst they can say is no, which'll mean you can still move to the cheaper policy elasewhere.

Read Martin's complete guide to ensure you're able to Slash The Cost Of Home Insurance.

Step 5: Remember next year

Insurers rely on apathy, so will promote attractive offers for new customers, but uncompetitive premiums to existing policy holders at renewal, hoping they aren't motivated to switch insurer, especially when this renewal premium is only sent a week or two before the renewal date. Always keep a note of when your policy is due to expire and give yourself more than a month beforehand to sort out a new provider.

Use Martin's free Tart Alert to send you a reminder text or email six weeks before your renewal date to prompt you into finding a cheaper quote.