Chasing the lowest price can backfire if you give inaccurate details about your address, mileage, occupation, driving history or how the car is used. Avoid “fronting”, where a more experienced driver is falsely named as the main driver, and disclose modifications, as the policy could be affected if information is misleading or incomplete. Check the total cost, including compulsory and voluntary excesses, cancellation fees, exclusions and whether a telematics policy suits you. Before buying, read the policy wording and confirm any uncertainties with an FCA-authorised insurer or broker.