What should my policy include?

This completely depends on what it's used for and by who; for example, cars that are used for your job may require business use added to the policy. If you're planning to drive abroad, remember that not all policies will cover you so make sure that yours does.

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What type of policy should I choose?

The main policy types to consider are third party, third party, fire and theft and comprehensive, although telematics policies have made great strides in recent years. Consider the pros and cons of each and choose the appropriate cover for your needs.