When you’re looking for budget car insurance, it’s important that you know all the facts first. Nobody wants to pay more than necessary for their automobile insurance, but you don’t want to get stuck with a big repair bill after an accident, either.

At a minimum - personal liability insurance is a legal requirement. Should you be involved in an accident, whether the other driver is at fault or not, if the policy discover that you are without this insurance, there will be steep penalties. Don’t even think about driving without this minimum level of insurance.

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I read in Insurance Times recently that the financial Ombudsman had decreed that it would, in certain circumstances, back a policyholder against an insurer excluding claims for leaving keys in or near a car. I can’t help but wonder if the same would apply for a motor home. As an insurance broker, I almost feel that this story is not one to publicise.

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