There's often a substantial difference between the premiums of two casco offers – and the explanation is almost always in the content. Comparing offers, then, isn't about ranking premiums, but about working through seven criteria methodically. This is our table – you'll receive it filled in when we work together.
- The order is what matters: content first, premium last – doing it the other way round is the most common mistake.
- The seven criteria: deductible map, depreciation, list of covered events, exclusions, limits, services, claims-settlement route.
- The table doesn't decide for you – it makes visible where two offers differ: that's what makes the decision a real one.
The seven criteria, in order
1) Deductible map: percentage + minimum, by type of claim – with glass treated separately: the logic of the deductible. 2) Depreciation rule: which components it applies to, and on what basis: depreciation. 3) List of covered events: what's covered and how it's defined. 4) Exclusions: according to the exclusions map. 5) Limits: per extra cover. 6) Services: assistance, a replacement car, glass-repair routes. 7) Claims-settlement route: workshop rules, invoice-based vs. agreed-value frameworks.
Why is the premium the last row?
Because the premium on its own isn't information – the price-to-content ratio is. The same premium can be an excellent deal with strong content, or a poor one with cover trimmed back: the hidden cost of cheap casco is exactly about this. Once the content rows are filled in side by side, the premium row suddenly speaks for itself: you can see WHY it's that amount – and which difference is actually worth your money.
How do we put the table together?
After the needs assessment, I request quotes from several insurers for the same structure – so the rows are genuinely comparable. You receive the table filled in, marked up for strengths and weaknesses, with a written summary: what I would choose in your position and why – but the decision is yours. The template can also be used on its own: the offer-comparison criteria table in the Resources pack.
Have two offers and can't tell which is better? Let's put them in a table. book a free 20-minute consultation →
