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| Additional Policy Benefits |  Different insurance companies offer different benefits. Of course the more benefits you have, the more you have to pay. The most common benefit is the addition of a free courtesy car in the event that your vehicle is off the road due to an accident. Legal protection can also be added, some companies will propose legal help following a 'not at fault' incident. Some car insurance companies offer roadside breakdown service, but not all – often it is cheaper to shop around. Also, it is better to decide whether it's worth paying extra for overseas driving cover.
There are also ways to decrease your premium and get a more competitive quote:
• No claims bonus – Each year you insure your car and do not make a claim you can have a 'no claims bonus' (sometimes known as 'no claims discount'). In some cases a five-year no claims bonus can save you 65% on your premiums.
• Protected no claims bonus – This gives you a possibility to pay a premium so that in the case of an accident you don't lose your no claims bonus. You'll save pounds in the case of any claims you do have to make, although it costs extra to protect your no claims bonus.
• Excess charge – Many companies issue policies that have a 'compulsory excess' (and sometimes a 'voluntary excess'). This refers to the amount of money you are willing to pay in the case of an accident. So if your excess was £100 and the total cost of repairs was £300 then you would pay £100 and the insurance company would also pay £200. Nevertheless, if the cost of repairs was £100 or lower you would pay the total cost. The more money you're willing to pay in excess, the lower your premium.
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Additional Policy Benefits