Protecting the car & driver

The first thing to note is that over 100 insurance companies offer motor car insurance in England, Scotland and Wales and each companies' policy wording can be different - so always take advice and, if in doubt, make sure you ask!

This is meant as a general guide and is by no means a definitive, legal guide - so please ensure that you use it for information only. Car insurance policies vary greatly from company to company, so the services of a professional financial consultant in aiding your choices would be of substantial help in the end.

Getting the best policy

Remember to shop around and get the best cover at the best price; if something appears to be cheap, you may well regret it if you come to make a claim and find policy exclusions, large hidden excesses, poor claims service etc. An independent intermediary, agent or broker is always worth trying, as well as one or two of the "big name" direct insurance companies.

Remember, there are over one hundred companies out there, all trying to make a profit out of motor insurance - and each of them will have a different set of underwriting criteria, such that what may be deemed to be a poor, and high cost, risk to one insurance company may be seen as an acceptable, and low cost, risk to another insurance company.

The old adage about "you get what you pay for" is never truer than when choosing your insurance cover - make sure that you get the best cover at the best price.