There are now so many providers of motor insurance it is increasingly difficult to decide where to go for the right cover at the right price. Clients often tell us that they are confused when researching such things on-line because the terms and conditions, including the amount of excess payable in the event of a claim, the use of the vehicle that is permitted under the policy, and whether their No Claims Discount is protected or not, are not easily found and could leave you short if something were to happen.