Insuring an Audi Q1

Usually slightly dearer. The list price of a premium SUV is higher and the repair costs of bumpers, lighting and sensors mount up faster. The difference is smaller than on the S and RS versions, because power is not a heavy factor on this car. How much it differs varies from insurer to insurer; comparing pays off.

For as long as you are unwilling or unable to bear the damage to the car yourself. On a Q1, repairing a bumper with sensors soon costs more than the annual difference in premium against third-party, fire and theft. Assess it each year against the market value, your excess and your reserves rather than against a fixed age limit.

Declare that when you apply. On an imported example the specification and the original list price sometimes differ from the Dutch reference, which affects the premium and the way the value is set after a claim. Make sure the details on the registration document and the policy schedule match before you start driving.

Yes. If you also drive the car for your business, or several people use it regularly, report it. Driving on a private policy while the car is used for business is an increase in risk that the insurer can raise against you when you claim. For delivery or transport services a separate policy almost always applies.

The towbar itself is an accessory you declare. What matters more is that damage to a trailer or caravan is not covered by your car policy. That needs its own insurance. Damage you cause to someone else with the trailer is usually covered by the towing car's third-party cover while you are driving.

On glass repair and glass replacement, usually not. These are own-damage claims that most insurers keep outside the bonus-malus scheme. Where the glass is repaired rather than replaced, the excess is often waived entirely. Check this policy by policy, because the treatment of glass damage differs from insurer to insurer.