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- Are there any compulsory excesses for accidental damage.
- What is the policy excess and maximum amount of money the company will pay out?
- What level of no claim discount can I receive?
- Will any additional security on my car reduce the premium?
- How many claims does my protected bonus allow me in any given year?
- Do I get a courtesy car for any claims, and if so for how long and under what circumstances.
- Does cover include personal injury, personal belongings or replacement locks?
- Do windscreen claims affect my no claims discount?
- Can I drive abroad with my standard policy?
- Can I use my preferred garage for repairs in the case of a claim?
- Will I have to fill in lots of claim forms when claiming?
- Will I get a discount if I have been driving with no claims for several years but have not had a policy in my own name?
- Is motor legal protection included?
- What is the APR charge for monthly premium payments? This is a 'hidden cost' with many companies charging over 20%.
- Does the policy offer roadside breakdown assistance?
- Will your no-claims bonus be affected if the accident wasn't your fault or the cost can't be recovered?
- Can you transfer your no-claims bonus built up while driving on somebody else's insurance?
- Can you transfer your no-claims bonus on to a second car?
- When you make a claim, do you speak to the broker who sold you the policy or the insurer?
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