Always check the small print, make sure you are comparing like with like!
Make sure you get the same benefits under each quote. It’s worth remembering that some insurers don’t offer a courtesy car under their comprehensive policies and this is quite a valuable add-on nowadays.
Think about increasing your policy excess in the event of a claim. £100 buys very little nowadays and mst people can absorb this amount of excess without any problem ata all. Think about increasing it to £150/£250 and see how much it saves you on your insurance premium,.
All these can help reduce premiums but what about premiums when you purchase a modfied car or even do the modifications after you have purchased the car.
Modifications to a car can prove costsly for insurance purposes. Even just fitting alloy wheels!
If you were a potential car thief, which car would you attempt to steal if there were 2 identical makes of car next to each other?
The first car being just a standard model but the second has been modified with alloy wheels, side skirts and a nice fancy paint job.
The chances are that the modified version would be the one you would have a crack at stealing.
The risk is increased, the cost of that risk is passed on to the policyholder.