Other policy choices to consider
Excess: The more excess you pay, the lower your premiums - up to a point. There is a tipping point where the increased excess no longer reduces your costs. Also be careful to consider the mandatory (or compulsory) excess as well - some car insurance companies offer cheap premiums by attaching the savings to a high excess which you have to pay in any claim before the insurer will get involved
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Repairs: Some insurers will automatically authorise repair quotes by recognised and recommended garages. Often this will not be the cheapest quote, and as such by shopping around and getting prices for the work you can save money on the repairs.
No-claims: What happens if the cost of an accident that is not your fault cannot be reclaimed (for example, if the at-fault driver does not have any car insurance)?
Some companies will cancel your no-claims as a result of this, while others will not touch it. Also, for a small cost you can protect a no claims discount, allowing you to keep the discount even if you are responsible for a claim. Also, if you are a named driver on a policy, can you transfer that to a policy under your own name?
Payment: Whilst yearly payments are a larger initial outlay, they are cheaper overall than monthly payments, some insurance companies charge interest if you choose to pay monthly which can further increase the overall cost of your policy.Breakdown assistance: If you are already have a separate policy for breakdown cover (some banks offer it with premium accounts, for example), it is worth checking that you aren't over-insuring yourself or paying too much for protection you won't use.
Overseas cover: Many car insurance companies will only cover you under TPFT terms while abroad; some breakdown cover policies also do not apply while overseas. This can usually be added to the policy, but it will cost.
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