Only take insurance if it is cheaper without the cashback.
Like others my cash back on car insurance has been declined with Saga saying that they have paid another retailer. I thought that I had done it correctly but apparently not.
The advice that Quidco gave was (post decline) :
1) Always clear your browser cookies before clicking through to the retailer from Quidco, so there are no other potential cookies for other affiliates that the sale could be attributed to
2)Always ensure that you have cookies enabled on your browser, and aren't using a private window, ad-blocker or pop-up blocker; this will ensure the sale can be attributed back to Quidco
3)Never use a saved quote when buying insurance, always create a brand new quote, through Quidco
4) Always complete your purchase in one sitting and fully online
5)Never use a voucher or discount code that isn't listed on Quidco
Hope that this might help others as this is the second decline that I have had recently (Ticketmaster). I am starting to think, is Quidco worth the effort.
I also had a lot of hassle proving my no claims bonus to Saga. All in all a poor experience.