A bundled insurance comparison should look beyond any multi-policy discount and compare the total annual premium, excesses, cover limits, exclusions and optional benefits for each policy. Check whether combining home, contents or car insurance with one provider is genuinely cheaper and still gives you suitable cover, as separate insurers may offer better terms for your circumstances. Also consider claims handling, repairer options and whether changing one policy could affect the others. Discounts and savings vary, so confirm the final terms directly with each insurer before deciding.