Only the ones that solve a problem you would genuinely pay to solve. Do not add every extra simply because the monthly increase looks small.
Start with the basic policy
Understand the main cover, compulsory and voluntary excess, windscreen arrangements and courtesy-car terms before looking at extras.
Then consider your real risks
Breakdown cover may matter if you rely on an older car every day. Legal expenses, key cover or enhanced courtesy-car products may be useful to some drivers and unnecessary to others.
Annual cost is clearer than monthly pennies
An extra £4 a month is £48 a year. Add several small extras and the difference becomes meaningful.
Compare the final policy including the extras you actually want. The cheapest headline premium can stop being cheapest once useful cover is added.
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