Insure Your Car

Comprehensive cover protects you against theft, accidental damage and damage you cause to someone else’s property, while third-party only cover is cheaper but more limited. Your premium and excess depend on factors like your car’s value, where you park overnight, your claims history and your age. Before you commit to a policy, understand your excess — the amount you pay out of pocket on a claim — since a lower monthly premium often means a higher excess. Compare a few quotes, read the policy wording for what’s excluded, and avoid the common mistakes that catch first-time buyers out.