Choosing the right vehicle insurance can look easy and many people choose their cover based on price. But choosing the right policy for your individual needs takes a little more thought than that. Here are four basic things you should consider to make sure you’re getting the right coverage for your vehicle.

1.  Your budget. If your car is old or not very valuable and you don’t have a lot of money for insurance, you may choose premiums based on price. This means you may have to forego things like windscreen replacement or car hire in your policy, or you may decide to opt for basic rather than comprehensive cover.
2. Insurer documentation. If you can’t understand the disclosure document and fine print of the policy, then you may not end up with the policy you thought you were getting. Most insurance companies provide these documents in what they call plain English but this doesn’t ease the complexity for most people. It’s essential to read and understand these documents.
3. Customer service. An insurer that treats you like a valued customer is more likely to be easy to work with in case you need to make a claim.
4. The ability to tailor your insurance. One size no longer fits all, so your broker will look for an insurance company that will tailor its policy to suit your needs.

We can help you get the cover you need at the price you want.