What to compare in an insurance quotation
Look beyond the headline premium and prepare a consistent set of questions for each option.
Start with the same requirement
Compare options for the same people, vehicle, trip or protection need. If the sum insured, cover period or included benefits differ, the premiums alone will not tell the full story.
Read the conditions
- Which events and expenses are covered?
- What exclusions, waiting periods or limits apply?
- What share of a claim would you pay yourself?
- Are optional benefits included or charged separately?
Check what happens next
Ask what information the insurer needs before confirming the quotation and issuing a policy. Keep the relevant product documents and review the final policy schedule.