Is your town an area with the greatest number of insurance claims?

With over 21 million car insurance queries sorted by location, gathered research and analysis was able to expose areas with the greatest and lowest numbers of car insurance claims. In the data compiled last year in 2020, motorists declared any accidents they’d been in over the past 5 years.

So, put your hand up if you’re from any of the following areas: Sutton, Hemel Hempstead, Watford, Slough or Kingston-upon-Thames. If so, you’re in places with the highest number of accident claims on car insurance. We can’t just blame the Londoners though, because we’re looking at you too, Birmingham, Huddersfield and Halifax. These are areas that all closely follow in the path of the other’s footsteps. 

On the other hand, Inverness is doing incredibly well and came out with the least number of accidents. Scottish folk are clearly leading the way, as Dumfries and Galloway, and Perth, also feature on the lowest claims list where an accident has been mentioned. Naturally, locations which are rural are likely to have a reduced rate of claims from main driver accidents. But what’s your secret, Scotland? 

Reports show that over the past 5 years, drivers from the areas of Sutton and Hemel Hempstead, in particular, were found to have made the highest number of insurance claims. This is where car accidents have been cited as the reason, and refers to claims made by main drivers. However, just over 10% of main drivers in Inverness made a claim surrounding an accident, compared to 18% from the London boroughs.

You may be wondering why this news is significant to you, especially if you don’t live in any of the aforementioned areas. Well, remember this post that we put up a few weeks ago? Yep, locations are important when it comes to a quote for your car insurance premium. And, if you do live in a place where there’s a higher number of accidents, you could find the cost of your insurance is considerably higher when compared to other areas. So, if you’re planning on moving house anytime soon, you may want to consider a rural area if you want to keep car insurance costs down.

Age is also a factor. If you’ve ever wondered why younger drivers are more expensive to insure, well the findings of the report might provide you with an answer. It found older motorists (65+) had the lowest likelihood of being part of a car accident, whereas younger drivers (aged 20 to 24 years) were more likely to make claims.

Whether you live in an area with a low or high claim rate, or if you’ve been part of an accident yourself, we’re not here to judge. We’re simply here to help. With the lowest car insurance quotes around, see how we can help you by clicking here

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