A cheaper policy can still provide valid cover, but the price does not guarantee that it includes everything you need. Check your certificate, policy schedule and wording to confirm the level of cover, permitted drivers, mileage, commuting or business use, exclusions and excess. Third-party insurance is usually the minimum required to drive legally, but it may not cover damage to your own car; comprehensive cover can also have important limits. If anything is unclear, ask the insurer or an FCA-authorised broker before buying.