Be cautious of quotes that are dramatically cheaper than others, especially if the provider pressures you to pay immediately or refuses to explain what is covered. Check the insurer or broker on the FCA Register, as fake or “ghost” brokers may issue invalid documents or leave you uninsured. Give accurate details about your address, driving history, mileage, vehicle use and modifications—knowingly providing false information can affect a claim. Read the policy’s exclusions, excesses and cancellation terms, and contact an FCA-authorised provider if anything is unclear.