It is definetely worth looking at policies offering full bonus protection, new replacemnet car when car is 12 months old or less, windscreen,legal expenses etc. You may pay a little extra but this can make a substantial difference if you have an accident. Recommend you shop around and also speak to a broker who specialises in private cars, as they often have very competitive arrangements with Insurance companies based on bulk purchasing and represent your interests in a claim rather than you dealing directly with an Insurance company.