Compare car insurance providers
The short answer
The headline quote is not the full policy. Check the exact product and tier, who is covered, permitted use, excesses and exclusions. Keep the full wording and your individual schedule together.
Certificate and schedule
The certificate records key details of insurance. The schedule sets out your individual policy information, including drivers, cover level and excesses.
- Check registration, names and effective dates.
- Correct errors immediately rather than waiting for renewal.
Product information document
The Insurance Product Information Document summarises main cover and exclusions. It is a useful starting point but does not replace the full wording.
- Check geographic limits and significant exclusions.
- Read linked sections where the summary says conditions apply.
The full policy wording
This explains definitions, claims conditions, exclusions, limits and the insurer’s duties. An apparently similar policy can offer different replacement transport or repair arrangements.
- Find the section for your exact product tier.
- Check security, keys and unattended-vehicle conditions.
Extras and payment documents
Breakdown, legal expenses or credit for instalments can have separate documents. Confirm which options you selected and their costs.
- Check total payable, fees and cancellation conditions.
- Keep copies of documents and the answers you supplied.
Before you decide
- Save the wording that applies to your policy date.
- Read all endorsements on the schedule.
- Ask the provider to explain anything unclear before buying.
Frequently asked questions
Does comprehensive include every extra?
No. The selected product and optional extras determine what is covered.
Which document matters if details disagree?
Ask the insurer to resolve the discrepancy in writing. Do not rely on a marketing summary over your policy terms.
Sources and further reading
Prepared by CompareDirect using the sources above. Policy eligibility, cover and claims depend on the provider’s current documents and your circumstances.
Before you buy
Our car insurance listings compare provider features and quote destinations, not personalised premiums. Check the exact product, eligibility, excesses and full terms on the provider’s website. Nothing here is a personalised insurance recommendation.
More guides
- Car insurance cover types explained
- Car insurance extras: what is worth checking
- Car insurance excess: compulsory and voluntary
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