Car Insurance Guide: Everything You Need

Insurance is one of those purchases where the cheapest option is only cheap until you need it.

Know what you are buying

• Third party covers damage you cause to others, not your own car
• Comprehensive covers your car as well, subject to the excess
• Agreed value versus market value changes what you receive on a write-off

The excess is the real price

A lower premium with a much higher excess is not a saving. Compare the total you would pay in a realistic claim.

Before you sign

Check the modification policy, the courtesy car terms, and whether named drivers are covered on the same basis as you.