What information should be provided by car insurance comparison sites?

Clear information about types of car insurance available to you.

Comprehensive cover:

With this type of insurance you get full cover. You are covered for the full extent of damages to your car, self and property and third parties as well. It is usually the most expensive type of cover.

Third Party, Theft and Hijacking cover:

Similar to Comprehensive cover, the only difference is that your own vehicle isn’t covered if it’s in a car crash.  It protects you against massive liabilities if you crash into someone else’s car. As the name suggests, you are covered for theft and hijacking. In most cases you get a pay-out if your car is stolen.

Third Party Only cover:

This covers your liabilities when you cause damage to the vehicle, property or person of third parties. Usually the cheapest option, this insurance is ideal for used cars as well as those that are fully paid up.

Details should be clear about whether you have cover at retail or market value.

The amount of money that you are covered for is a sensitive issue.

Excess amounts should be clarified.

You should be able to get as much information as possible about how much excess to pay. You should be able to find out how much of an effect this will have on your premium.

How you can benefit fully from car insurance companies:

  • You need to make sure that you get at least 3 quotes from reputable insurance companies
  • You need to consider the levels of cover and the associated conditions
  • It may be helpful to create a checklist against which you should evaluate the offerings of the different insurers you request quotes from. You can see how each provider measures up against your specific requirements.