Motorists who are currently going about sorting out insurance for their vehicles have been told that opting for the cheapest product isn't necessarily the best way to go.
Experts responding to a review of the car policy market from thisismoney.co.uk said an increasing number of claims are being rejected because drivers are failing to buy adequate cover.
Many drivers are heading online and to comparison websites in search of the cheapest deal, but it's these same people who fail to read up on the terms & conditions and often end up paying the first part of a claim themselves.
Cited by i4u.com, Tony Hazell from This is Money said motorists should be doing all the checks that insurance brokers make when they evaluate the risk attached to each driver.
He sought feedback from Pete Harrison, insurance expert at moneysupermarket.com, who said: "Buying online give greater access to information and allows consumers to compare products conveniently. But sometimes they just jump at the cheapest product."
Mr Harrison told drivers to read the terms and conditions attached to their policy "because the levels of cover can vary a lot."
It has to be noted that motorists can shave a fair amount of money off the cost of their insurance through other methods, such as investments in vehicle security systems, which could allow them to buy a better grade of policy.
Rory Stoves, of the Financial Ombudsman, also agrees that going for the cheapest product isn't the wisest move.
"Cheaper doesn't always mean better. You have to go through and look at what the insurance doesn't cover," he added.