Cheap car insurance is not always the best value, so compare the cover as well as the price. Check whether the policy includes features you need, such as windscreen cover, courtesy-car cover, breakdown assistance and protection for personal belongings. Review the compulsory and voluntary excesses, mileage limits and any telematics requirements, and make sure every detail you provide is accurate. Before buying, check that the insurer or broker is authorised by the FCA and read the policy documents carefully, as exclusions and conditions vary.