## The one question that decides it
Do you own the vehicle you drive most? Yes means full coverage. No opens RA options.
## When RA genuinely fits
Household vehicles, employer cars, vehicles you drive before transferring ownership.
## When it is wasted money
Primarily commuting in your own registered car under an RA policy.
### What to ask before buying
Get in writing which vehicles the policy covers. Ambiguity here is expensive.
## Frequently Asked Questions
### Does RA cover my car?
Only if you do not own it. Confirm the vehicle list in writing.
### Can I add my car later?
Yes, but that is a different product. Plan for it before buying.
### How much does it cost?
Typically less than full coverage, for the reason that it covers less.