right insurance

With so many options in the market, it is not a coincidence you might find yourself lost when it comes to selecting the right insurance policy for you.

Make things easier for yourself by conducting the right research instead of opting for the first one that comes around. Remember that insurance is there to help you at the worst time, so consider it a friend you won’t go without.

We’ve set up a list of features to ask about and look for, so you may keep the hassle at bay.


Having multiple options at hand, with full details on each policy will help you evaluate the differences between one and other. Stray away from focusing on price and review the minor details that sometimes might be disregarded during your initial search. Knowing the full technicalities of the policy will give you an idea of how helpful each may be in different scenarios.

Take car insurance for instance… for some, a third-party fire and theft policy might be just what they need. Despite that, if you’re investing in a brand-new car, a fully comprehensive policy makes much more sense given the extent of money you will be spending to acquire it. Therefore, if you suffer an incident, your policy might be available to help cover the costs for repairs on your car too, as well as the third party’s.

It is good to consider a fully comprehensive policy cover if you purchase a car via hire purchase or bank loan. In the event of a total loss accident or fire or theft, you might be faced with major expenses; as you need to keep paying the hire purchase or bank loan as well as fork out money to replace the car. With a comprehensive car insurance policy, the balance of the loan or hire purchase will be paid by the insurer.


Do not run the risk of finding yourself not covered at any point in time. Even if you are looking for a new insurer, don’t forget to set reminders a few weeks before your insurance payment is due, so that you dedicate enough time for your research whilst still being protected by an insurance policy.

Driving without an insurance will incur hefty fines as well as criminal implications.

Whilst your car insurance might have an expiry date which is shown on the dashboard sticker, other policies such as a home-related one doesn’t. Instead of allowing days or weeks to pass by relying on an expired insurance policy, it is always best to settle your payments so as not to run any risks.


When looking around for a car insurance, always take a look at your dashboard sticker to confirm whether a VRT test is required that year or not. Remember to book an appointment with your mechanic before to give your vehicle a well-deserved touch up of the basics so that the test runs smoothly and you’re free to focus on a car insurance that works best for you.


Earlier on in this blog, we said not to put the final cost as your number one priority. Don’t let the number mislead you into choosing a cheaper alternative without even thinking of the value that is covered by the higher option.

However, insurance policies are renewable every year, which means that you need to be aware that such a cost is not just a one-time cost. Refer to your personal finances to see whether such an investment is in line with your earnings.

If you want to avoid a surprise or are a terrible saver, consider going about it the old-fashioned way. Keep a purse or an envelope and calculate how much you need to fork out every month so that by the end of the year, you would have covered the total cost for your insurance renewal.


We all tend to check out quite a few sources before we commit to a big investment. The same goes with your insurance policies.

Do a quick search about the company’s history and the portfolio of policies they offer. Some will be more focused on certain offerings than others.

Don’t rely on the first few results of a Google search. The best thing is to check out the Google reviews posted by other customers to see what they have to say about the company. Reviews might even shed light upon certain aspects which you might not be aware of; such as employee services, how they deal with claims and the ease at which they are responsive.

And whilst we’re on the subject of reviews, if you want to leave your two cents about us, head over to our Google profile – we’d love to hear about your experience with us.

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