What’s Included in your Car Insurance?
You may have found a cheap car insurance policy, but that doesn't mean it has everything you want. Here’s a list of questions you can ask:
Is your car insurance policy Comprehensive, Third Party, Fire and Theft, or Third Party Only?
What is the total policy excess in the event of claims?
Is there an excess for windscreen claims?
Does the car insurance cover all the drivers you asked for?
Does it include legal expenses and breakdown?
Does it include a courtesy car?
Can you make an unlimited number of windscreen claims?
How many windscreen claims can you make before it affects your no claims bonus?
Is the full cover extended to Europe for the period you asked for?
Will the car insurance company provide free legal expenses if you need them?
Okay, now you know what you’ve got you should get another quote and go through the questions again. You could keep going between car insurance providers, giving them the opportunity of beating your latest quote, but doing this may diminish the returns. However, you should offer at least one of the car insurance providers that quoted a chance to under-cut your cheapest so far. Tell them your best quote and you could save yourself another ten or twenty pounds.
