Ask whether the policy is third-party, third-party fire and theft, or comprehensive, and what each option covers. Check the compulsory and voluntary excesses, exclusions, mileage limits, permitted drivers, and whether modifications or commuting are included. It is also worth asking about courtesy cars, breakdown cover, legal expenses, cancellation charges and administration fees, as these can affect the overall value. Make sure the information on your quote is accurate, and check that any insurer or broker you use is FCA-authorised; the cheapest policy may not be the most suitable for your circumstances.