Choosing the lowest quote without checking the cover, excess, exclusions and claims process can lead to costly surprises. Giving inaccurate details about your address, mileage, occupation, driving history or car modifications may affect how a provider assesses a claim. Adding an experienced driver as the main driver, known as fronting, can be treated as misrepresentation, so each driver’s details should be stated honestly. Compare like-for-like policies, check the insurer is FCA-authorised, and consider whether a higher voluntary excess is affordable before buying.