Compare quotes on a like-for-like basis, checking the cover level, policy excess, exclusions and whether features such as courtesy cars or breakdown cover are included. Provide accurate details about your car, driving history, mileage and where it is kept, as incorrect information could affect a claim. Consider the insurer’s claims service and customer reviews, not just the cheapest premium, and check that the provider is authorised by the Financial Conduct Authority. Read the policy documents carefully and choose an FCA-authorised provider that offers suitable cover for your circumstances.