No matter how good a driver you are, it only takes a moment’s lapse — or bad luck — to do damage to your car. A hailstorm while you’re parked outside or a stone through the windscreen can put you at risk of expensive repairs.
So it’s important to get the right cover. Here are  easy tips to help make sure your car insurance measures up.

Get the right level of cover

There are two broad categories of cover you can choose from:

  • Third Party Property and Damage pays if you damage someone else’s car — and you can often opt to add protection for your own car from fire and theft
  • Comprehensive cover pays to repair or replace your own car if it’s damaged in an accident, or by natural events like hail or fire, or if it’s stolen

Within these two broad categories, there are various modifications that can be made to personalise the poilcy to protect you against risks that matter to you,

Get extra protection for new cars

When your car is new, it’s more special than ever. And a second-hand replacement won’t feel the same. So you might want to look for insurance that will replace your new car with a brand new car if it’s written off. This is subject to terms and conditions.