Before deciding on buying car insurance, do your research, compare quotes and insurance benefits. Once you are convinced and have decided on an insurer, take the time to read your policy documents (a trustworthy insurer is transparent, and will send you the documents in writing). This way, you will know in detail what your car cover entails. Familiarise yourself with the terms &conditions and underwriting rules.

Some car insurers have built good claims handling reputation, and a trustworthy insurer will have an excellent claims payout record. Check the car insurer’s claim rejection rate, read their customers’ testimonials and check what people have to say about them on a compliment or complaint site.