When the time comes for us to take out insurance we are often bombarded with offers from so many companies that we donít know where to start. When each offer starts to sound better than the last, how do we know what is good and what is simply too good to be true? Claim free bonuses, low premiums, low excesses or quick and easy claims. How do you know what will work for your needs? When comparing quotes from insurance companies, the most important factor is and should always be what you can afford and what you need.
Of course it is very tempting to take the most comprehensive option, but do you really need cover on absolutely everything? And would paying ridiculously high premiums be justified when you need to claim? Also, if you are tempted to take the offer with the lowest premium, make sure that the excess in case of a car accident does not leave you wishing you took a better option. Comparing quotes is a balance of price and worth.
If you want to insure your vehicle as well as your household contents, a good option is to take out car and household insurance from the same insurance company. This often ensures better prices on premiums. If you do not wish to cover everything, think about what items you believe are worth insuring. A very nice option for ladies is handbag cover. After all, the ladies do carry their lives around in their handbags. (more...)