It’s the insurance companies’ responsibility to pay IPT and in most cases the tax is passed on to the customer.
There are ways to reduce your insurance premium, which will bring down the amount of IPT you pay. These include; additional security features for your home, car, or IT equipment or increasing your voluntary excess which would mean a lower premium but potentially a high price to pay in the event of a claim.
Paying a premium in monthly instalments is usually a more expensive option than paying it all in one go. So if you can pay your premium annually the overall price will be lower and so will the IPT.