Are you getting the most out of your car insurance policy?
Having worked at the BBC and in commercial radio before joining Which?, James produces our always-on podcasts, and oversaw the launch of our member-exclusive podcasts in 2025.
With accidental damage making up nearly half of all car insurance claims, do you know what your policy actually covers you for?
In this episode of Which? Shorts, we reveal the providers and policies we recommend after teaming our in-depth research with feedback from real-life policyholders.
Plus, with the recent rise of self-described ‘essentials’ policies, we explain why we've had our doubts about how much cover they really offer.
This episode is read by Erica McKoy and is based on an article originally published in the February 2026 issue of Which? magazine.
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