Create a single fact sheet
Use the same drivers, vehicle, address, annual distance and driving purposes with each provider. Explain claims and prior insurance as requested. Label optional protection and requested deductibles clearly, and ask providers to identify any change they make to the requested terms.
Which requested terms were changed in the offer?
Compare the price on one basis
Ask for the full-term premium, payment fees and instalment schedule. Keep bundled prices and vehicle-only prices distinct. Check whether advertised savings depend on conditions that apply to you rather than treating a promotional example as an offer.
What is the comparable full-term cost for these exact terms?
Make the next conversation useful
Bring the current documents and explain any changes. These details are a useful starting point:
- Consistent vehicle and driver details
- Actual annual distance and commute
- Current cover and deductibles
Ask the provider to connect its answer to the actual policy or eligibility terms, including exclusions, dates and reporting conditions. Keep the confirmed answer with the offer.
Sources & further reading
General insurance principles and the jurisdiction-specific references below support further reading. Examples are illustrative; individual policy terms require provider confirmation. Content updated October 11, 2026.