l WHEN buying a car insurance, do not look for the lowest premium you can find, but it is important to consider what you are covered for. The new driver normally has much different coverage than a driver who has a few years of experience in driving.
l An old-battered car will of course need a different level of coverage than the buyer of that shiny new Mercedes or Jaguar.
l Make sure that your policy covers other licensed drivers who may drive your car from time to time.
And of course no policy will cover damage done by an unlicensed driver.
l If you are going to use the car for business make sure that the car insurance company is aware of that use.
l Read the fine print and ask the agent for clarity if necessary.
When it comes to insurance the exclusions can make all the difference. It is important to know what may not be covered as well.
l Knowing which actions are not covered by insurance will help you and your drivers tailor the activities to provide the most protection at the least possible cost.