Ask what level of cover is included, whether the excess is voluntary or compulsory, and which exclusions could affect a claim. Check whether your mileage, commuting, business use, passengers and any vehicle modifications are accurately covered. Ask about cancellation, administration and adjustment fees, as a low headline price may not include every cost. If telematics is involved, find out how driving data is used and what could affect the policy terms. Compare the policy documents and confirm the provider is FCA-authorised before buying.