Questions to ask your Car Insurer

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Questions to ask your insurer

• Make sure you are clear about comparing "like with like" when asking for quotes, and that the category of policy you are applying for is clearly defined - i.e. fully comprehensive, third party fire & theft, or third party only.
  
  
• In the event of an accident, will you be offered:
• 24 hour helpline contact number?
• A courtesy car if yours needs servicing?
• Assistance in getting home (e.g. taxi or train fares)?
• Legal support?
  
  
  
  
• Who has to make arrangements for repairing your vehicle after an accident?
  
• Who will repair my car after an accident?
  
• How much excess will I have to pay when I make a claim?
  
• How can I pay for my policy? Will I get penalised if I pay by direct debit (some insurers make you pay more this way - effectively adding interest to your premiums). If you are short of funds, and the premium is substantially more for paying by direct debit, we would recommend using your credit card. (Visit our credit card guide to ensure you are getting the best deal!)