When comparing car insurance quotes, you need to be sure your policy offers comprehensive coverage and is tailored to your needs. Here are a few questions you may want to ask when picking your policy:
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1. What is the policy excess and what is the maximum the company will pay out?
Are there any mandatory excesses for accidental or malicious damage?
2. What level of no claim discount can I receive?
3. How will additional security on my car affect the premium stated in the car insurance quote?
4. How many claims does my protected bonus allow me?
5. Do I get a courtesy car for any claims, and if so for how long and under what circumstances? Do I have to pay extra to insure it?
6. Do windscreen claims affect my no claims discount?
7. Can I drive abroad with my standard policy?
8. Can I use my preferred garage for repairs in the case of a claim?
9. Will I have to fill out numerous claim forms when claiming?
10. Will I get a discount if I have been driving with no claims for several years but have not had a policy in my own name?
11. Is motor legal protection included?
12. Does the car insurance policy offer roadside breakdown assistance?
13. Does the policy quoted include personal injury, personal belongings or replacement locks?
14. Will your no-claims bonus be affected if the accident wasn't your fault or the cost can't be recovered?
15. Can you transfer your no-claims bonus built up while driving on somebody else's insurance?
16. Can you transfer your no-claims bonus to a second car?
17. When you make a claim, do you speak to the broker who sold you the policy or the insurer? Choosing between car insurances can be a painstaking process. Do your homework and don't be afraid to ask questions.
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