Start by deciding whether you need third-party, third-party fire and theft, or comprehensive cover, then obtain quotes from several insurers or comparison services. Give accurate details about your car, mileage, driving history, parking arrangements and intended use, as incorrect information could affect a claim. Compare the overall policy, including the excess, exclusions, optional extras and courtesy-car arrangements, rather than choosing solely on price. Before buying, check the insurer is authorised by the FCA and read the policy documents carefully, asking the provider to explain anything you do not understand.