Describe the Car
The make, model, who sits behind the wheel, and how far the car travels in a typical week.
My Approach
Why I pull a car policy apart in ordinary words, and what I want you to know before you ever sign one.
Where I Began
Why I Never Rush Anyone Into Signing
Most people meet their policy for the first time on the worst day of it. I have watched that happen too often. Someone waves a phone at a crumpled fender and learns, right then, that the number they picked to save a little money every single month costs them plenty now.
So I flipped the order. I take a policy apart with you at the start, put the cheap month and the expensive claim side by side, and let you decide for yourself which one you would rather be carrying when the day arrives.
You should never find a fresh surprise in your own paperwork. I go through the limits, the money you pay first, the extras and the buried exceptions, in plain words you already use.
The Way I Work
Four Rules I Never Break
Advice is worth nothing if it falls apart at the roadside. So every policy I put in front of you clears these four tests first.
No Jargon
I Explain It First
I will not point you at a policy while a sentence in it still goes unread. Where a clause moves money, I stop and spell out what it costs you.
Your Miles
I Ask How You Really Drive
A car that mostly waits in a driveway is not the same bet as one hauling kids around all day. I match the driving you do, not an average stranger.
Time to Think
I Will Not Hurry You
Take a week with it if you want. I keep the choices open in front of you until the cheap one stops looking clever and looks thin.
Ask Me
No Question Is Silly
Photograph the paragraph that bothers you and send it to me. A confused question today is far cheaper than a confident guess you regret later.
How a Quote Works
From First Question to Cover
Compare Side by Side
Limits, deductibles and add-ons sit side by side, so a cheap price cannot hide thin cover.
Ask Anything
Send over any wording that reads oddly, and I will tell you what it really covers for you.
Drive Covered
Choose the policy, keep those documents close, and get back on the road knowing the terms.
Start to Finish
Same Care Before, During and After
Your car will change, your route will change, your household will change. How I handle it will not.
Asking
I Name Everything
Each optional line gets its own label and its own cost, so nothing lands on your bill that I forgot to flag.
Choosing
I Show Both Sides
Money saved every month is money owed after a crash. I put both numbers where you can see them together.
Later
I Stay Around
A renewal notice, a teenager with a permit or a different car all move the goalposts, and I will read it through with you.
Want a real number? Tell me about your car
Get Started