Compare policies on cover as well as price, checking whether you need third-party, third-party fire and theft, or comprehensive cover. Give accurate details about your car, driving experience, mileage, address and how you use the vehicle, as incorrect information could affect a claim. Check the compulsory and voluntary excess, exclusions, courtesy-car arrangements and whether extras such as breakdown cover are included or optional. If you are considering a telematics policy, understand how driving is monitored and how this may affect your policy terms; an FCA-authorised provider can explain the details.