By comparing your car insurance policy carefully when seeking new quotes will help you to sort out the ‘wheat from the chaff’ easily. As the other saying goes “the devils in the details”
Just because you have always had your car insurance with X-Y-Z company doesn’t mean they haven’t changed their terms of the policy from year to year and you really do need to check it out thoroughly to make sure that everything that you want to be covered for in your policy is still included in the new policy. Over the years, insurance coverage often changes and unless you seek to compare the changes you could be left uninsured for something that you really want to be insured for.
A good example of insurance policy changes is in windscreen damage. I once had a policy that covered windscreen damage 100% with no excess and now I can’t find a policy anywhere that I don’t have a AUD$200:00 excess fee to pay on everything. When you live on a gravel road, windscreen damage is only too common and if you claim on your insurance policy to cover three breaks a year then your no-claim bonus will be affected.
A good idea before asking around for quotes from insurance companies is to sit down with your current policy before it runs out, and make a list of everything that you feel you must be covered for and on the other side of the page make out a list of what you would like to be covered for. This way you can assess whether the extra covers are going to be beneficial to you or if you feel that the risk of damage compared to the extra costs simply don’t warrant the extra charge.
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