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It's a grudge purchase that you never know the value of (or what you never clarified) until you need to make a claim. I have worked in this area all I can say is if you choose bare bones cheapest premium, don't read the terms and conditions, and you assume you are covered for things, then at claim time you may have a rude shock. Claim time is not the time to find that out. Set it up right from the start, ask heaps of questions, read the policy booklet and keep it. Know where you stand and what you are covered for and what you are not. Insurance companies are not as bad as some think.
PeterM.
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