Check the cover that fits how you use your vehicle.
Understand the policy type
Third-party and own-damage cover address different risks. A comprehensive label does not mean every possible loss is covered.
Ask how the policy treats accidents, theft, natural events and use of the vehicle. Confirm the exact scope with the insurer.
Compare more than price
Review the insured declared value, deductibles, exclusions and add-ons. Check repair-network arrangements and the documents required for a claim.
Understand the effect of claims on renewal terms and any no-claim benefit. Costs and coverage vary by vehicle and policy.
At purchase and renewal
Check the registration details, policy dates and insured person carefully. Keep evidence and contact the insurer promptly after an incident.
Do not rely on an old price or discount claim. Ask for a current written quote and policy wording.