Car insurance used to be synonymous with sky high premiums and poor customer service but thankfully those days are now far behind us. If anything, the businesses behind insurance policies and additional insurance features has been faster than almost any other in realising that products should be tailored to customers’ needs, and not to suit their own pockets or structures.

For Mr Joe Public it is all good news, as insurance policies and the additional features (such as breakdown cover) that go with them are now so adaptable that anyone can usually find something to suit their exacting requirements.

The introduction of additional features, which can be bolted onto basic policies, allows you to mould an overall package to cover you whatever your lifestyle.

Of course shopping for bolt-ons and additional features is not without its pitfalls, however and so we have devised this quick-glance guide to buying your bespoke insurance policy...

Top 5 tips for buying your additional insurance policy features:

·         Unless you’re either exceedingly brave, or stupid, a very good idea is to protect your no claims bonus. That way your insurance premiums will not sky rocket if you have an accident.

·         Make sure you ask about breakdown cover. It is something you never think about until you’re stuck at the side of the road. It will then become the best thing you ever bought!

·         Ask about additional features such as ‘kitguard cover’ for motorcyclists.

·         Ask about replacement, or courtesy vehicles. Having another car to run around in is a god send when you have had an accident.

·         Are you covered to drive other vehicles? A lot of people often forget to ask these important questions and can end up breaking the law by presuming they are.

If you need any further advice on additional insurance features, why not give our team of experts a call free on 0800 0199519.