How to compare insurance policies

Give each quote the same starting point

Make sure the details are current and consistent: the property, drivers, business activities, or people being insured. A difference in the information supplied can explain a difference in the quote.

Compare what you would receive—and what you would pay

Put limits, deductibles, special limits, and optional benefits on one page. Ask which differences are deliberate and which may leave something out.

A lower premium may be useful, but only when you understand the trade-off.

Read where the policy draws the line

Exclusions, definitions, and conditions shape coverage. Ask about the situations that matter to you rather than assuming a broad label covers them. Contract requirements deserve a check against the actual policy wording.

Look at the experience after purchase

Find out where documents live, how to request changes, and how to report a claim. Having those answers before you need them makes the policy easier to use.

Choose with the whole picture in view

Bring your quotes to Ironhill. We’ll help you understand the differences so your decision rests on more than the price at the bottom of the page.