A cheap policy can cost you thousands if you have to make a claim, because the necessary cover isn’t in place. Instead, choosing cover that actually protects you, but costs slightly more is a long term investment.
Here is why the right policy matters:
You write off your car after 18 months.
One insurer pays market value, yet another supplies a brand-new car.
After an accident you need a hire car.
One policy offers a tiny runabout, and another provides a like for like replacement.
You must drive a car that is not yours.
One policy gives third party only, but another extends fully comprehensive cover.
A friend needs to drive your car.
Do you rely on their third party? Or does your policy give fully comprehensive for the trip
Your parked car gets hit.
Do you lose your no claims bonus/ Or does a no blame promise protect it.