The situation
Kemi bought her first car and knew she needed insurance. What she did not know was what she was choosing between. Every quote offered third-party or comprehensive, and nobody explained the difference in terms that meant anything to her.
What they were actually exposed to
The real risk was not being uninsured — it was buying the cheapest option without understanding it. Third-party cover would have left her funding every repair to her own car herself, including the everyday incidents most likely to happen to a new driver. She would only have discovered this after her first accident.
What we did
- 1Explained third-party, third-party fire and theft, and comprehensive in plain terms, using scenarios rather than definitions
- 2Walked through what each option would and would not pay in situations she was likely to face
- 3Set the sum insured against the vehicle's actual value rather than a round number
- 4Recommended cover matched to her budget and how she actually uses the car
The outcome
Kemi chose her cover understanding exactly what it does — including what it will not do. She knows what her excess is, what is excluded, and who to call before anything happens rather than after.
Recognise any of this?
The two-minute risk check will tell you which of these exposures apply to you — or send us the policy you already hold and we will read it properly.