Car insurance checklist - Insurance - Guides - Moneyfacts

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Car insurance checklist

Car insurance checklist

Category: Insurance

Updated: 13/10/2016
First Published: 10/10/2016

Before you shop around for a car insurance policy online, read our tips on getting the best value car insurance.

Car insurance details checklist

Before shopping around for a policy, make sure you have the following checklist to hand as you will need these details to get a quote:

  • The type of cover you require
  • Who will be driving the car
  • The make, model, registration number and year of manufacture of your car
  • The current value of your car
  • The number of years of no-claims discount you've accrued
  • Where the vehicle is kept when not in use
  • What you use the vehicle for, such as business, commuting or domestic use
  • Estimated annual mileage
  • Full details of all claims or convictions you've had over the past three years
  • The dates and details of any claims you have made
  • Your full address
  • Full details of any alarms or immobilisers the car has installed

What should I look for in my car insurance quotes?

When you compare quotes, ask yourself:

  • Is the policy designed for a particular group, such as the over-50s?
  • What added extras you get, such as breakdown cover, lock replacement or overnight accommodation if you are involved in an accident or have your car stolen while you're away from home.
  • If you drive abroad for long periods of time, are you covered?
  • Wouold you get a courtesy car while yours is being repaired? And if so, how long can you keep it for, and do you have to pay to insure it?
  • Do you have legal cover if you go to court? Some insurance policies will pay legal bills up to £50,000.
  • Can you protect your no-claims bonus, and how many claims are you allowed to make?
  • Can you transfer a no-claims bonus built up while driving on someone else's insurance policy?
  • Can you transfer your no-claims bonus onto a second car?
  • If you pay your premiums monthly, will your policy be more expensive than if you pay for it in full?

Finally, always read the small print, and make sure you check that the policy document you receive in the post is the same as the one you saw online before signing on the dotted line.

What next?

Compare car insurance providers

Disclaimer: This information is intended solely to provide guidance and is not financial advice. Moneyfacts will not be liable for any loss arising from your use or reliance on this information. If you are in any doubt, Moneyfacts recommends you obtain independent financial advice.

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