• Accidental damage to your auto;
• Malicious damage to said auto;
• Personal accident;
• Loss or damage to personal property within your automobile, to a pre-defined ceiling;
• New-for-old replacement of your auto within the first year;
• Glass replacement (all the windows and the sunroof);
• Medical expenses, up to a pre-defined ceiling.

What If I Have An Accident?

Check whether anyone involved has been physically hurt. Call an ambulance if they have. When you are making a claim you might have to submit a medical report, so keep track of it. Call the police if the accident is a serious one.

Get Your Premiums Down: Lower Your Risk.

You pay less if you're in a lower risk category. Your risk category is calculated from things like whether the car is used for commuting, your driving history, who else drives the car, and the make and model.

Here are a few ways to keep the cost down: fit an immobiliser or a car alarm; keep your car off the street and don't over-assume annual mileage. How much is the 'excess': how much do you want to pay towards a claim? Do you want a courtesy car?

The higher the 'excess' (the amount you'll pay towards the cost of a claim before the insurance company chips in), the less you'll pay.

Read the Fine Print.

Each insurance policy is different. Some have additions or subtractions from a 'standard' policy. Everyone nowadays is shopping on price. To offer 'teaser' premiums you may be sure the insurance company is skimping on something. They may seem to offer the same features but the killer is in the fine print. They are legal documents. They are a contract. They have to state what they offer you for the timely payment of your premium and what they do not.

This is couched in language which satisfies lawyers but is not 100% clear to laymen. It's in the insurance company's interest not to pay out. People think of an insurance company like it was a bank you pay into and eventually you'll make a withdrawal.

Whereas it's a safety net you hope you never have to use. If everyone makes a claim, the insurance company goes bust and then no one can make a claim. The insurance company makes money investing the different between what it pays out and what it takes in. So it makes darn sure it's only liable if a very specific set of circumstances occur.