Most people are only concerned with the end price of the policy premium ie. what is it going to cost me per year? Because of this they are often distracted into taking out an insurance policy that isn't right for them.

Because of this when they need to make a claim they often find out that they are under insured or arent covered due to policy limitations or have a hefty excess to pay for each claim made.

Our biggest piece of advice would be to seek the advice of an expert independent insurance broker rather than taking out a policy online simply because the annual premium looks cheap. If its too good to be true, it usually is.

Before taking out any policy online make sure you understand your policy conditions such as :

Who do you call in the event of a claim or change to your circumstances?
Check that should you require assistance that you will dealing with somebody who will be able to help in the event of a claim or change in circumstances. Many direct insurers use foreign call centres that are difficult to reach or their staff unable to take ownership of any problem or to properly understand your circumstances.

What is the excess on the policy?
Check that you are comfortable with the excess amount - this can often be amended to either a higher or lower excess that may be more beneficial to you.

Whats the difference between a 10 month and a 12 month payment plan?

Are you insured properly?
Check that the policy does not have limitations preventing you from making a claim in certain circumstances.

Does the policy offer a free legal advice helpline?
It is possible to buy a policy that pays the cost of legal expenses if you need to take legal action or defend yourself against someone else suing you. In some cases the policy includes a dedicated help line where a legal expert can give you instant advice. There are also some home and motor insurance policies that offer a similar service either as a free, extra service or as an option you can buy if you wish.

To make sure you are covered correctly use a broker name you can rely on - David J Miller Insurance Brokers Limited

Contact us for more information on 0845 67 444 24 or email us at This e-mail address is being protected from spambots. You need JavaScript enabled to view it or come to see us at our headoffice near Accrington, East Lancashire.