This is the centrepiece of the Resources pack: the table that lets you genuinely compare two (or more) casco offers side by side. Copy it out, fill it in row by row – and leave the premium row for last: that's what turns a choice into a real decision.
- The table's seven blocks: deductible, depreciation, events, exclusions, limits, services, claims handling – premium last.
- For every row, find the answer in the policy terms – if you can't find it, ask: how hard it is to find out is itself information.
- You can also ask me to fill it in for you: with several insurers' offers, marked up for strengths and weaknesses.
The Table
| Criterion | "A" offer | "B" offer |
|---|---|---|
| Deductible – general (% + minimum) | ☐ | ☐ |
| Deductible – for glass damage | ☐ | ☐ |
| Deductible – for theft / natural perils (if different) | ☐ | ☐ |
| Depreciation – which parts, on what basis | ☐ | ☐ |
| Depreciation-free scope (age / parts) | ☐ | ☐ |
| Event list – definitions of collision / theft / natural peril / glass | ☐ | ☐ |
| Are wildlife, pothole and rodent damage included | ☐ | ☐ |
| Exclusions – the top five, mapped to your own use | ☐ | ☐ |
| Theft conditions: keys, security requirements | ☐ | ☐ |
| Limits – baggage / replacement car / assistance | ☐ | ☐ |
| Services – scope of assistance, replacement-car days, glass-repair route | ☐ | ☐ |
| Claims handling – garage-choice rule, invoice-based vs. cash-settlement framework | ☐ | ☐ |
| How extras are handled (declared equipment) | ☐ | ☐ |
| PREMIUM – annual, for the content above | ☐ | ☐ |
Explanation of the rows: deductible · depreciation · exclusions · extras · claims-handling routes.
How Should You Use It?
Work through it row by row, and in every cell write the fact you found IN THE POLICY TERMS – not the marketing line from the offer summary. Wherever the two cells differ, ask yourself: what is that difference worth in my own use? The policy-terms reading crash course shows you where to look for the answers; the 5 questions are the short version, if you only have a few minutes. And of course: you can also get this table filled in from me – with several insurers' offers, free of charge.
Would you rather receive it filled in, with several insurers' offers? book a free 20-minute consultation →
