No time for the full comparison table? These five questions are the concentrate: get a clear answer to each of them – from the offer, the policy terms, or your broker – and you've covered the most important risks. If a straight answer doesn't come for one of them, that alone tells you something.
- Five questions = five points that typically surface at claim time: deductible, depreciation, exclusion, theft conditions, claims handling.
- A good answer is always specific: a number, a list, a reference to the policy terms – not "generally speaking", not "we'll see".
- The longer, full tool: the offer-comparison table.
The Five Questions
- Exactly how big is my deductible – percentage AND minimum amount – and does it differ by claim type? Ask separately about the glass rule: why it matters.
- How does the policy calculate depreciation? Which groups of parts, from what age, and is there a depreciation-free scope: details.
- What's excluded that's realistic in MY use? Potholes, wildlife, rodents, competition-type events, driving abroad: exclusions map.
- What theft conditions do I need to meet? Keys, security requirements, storage: key conditions.
- How does claims handling work? Garage-choice rules, invoice-based vs. cash-settlement frameworks, reaching assistance: inspection and repair.
How Should You Judge the Answers?
A specific answer (a number, a clause reference) is a good sign; vagueness is a bad one. If you're choosing between two offers, ask both of them the same five questions and write the answers side by side – that's the mini version of the comparison table. And an honest note: answering these questions is the foundation of my own work – in the offer table I put together, all five rows are already filled in before you'd even ask.
Would you like your offer to arrive with all five questions already answered? book a free 20-minute consultation →
