What factors affect the cost of my car insurance premium?

Several factors can impact your car insurance premium. These include:


Younger and older drivers are considered higher risk, leading to higher premiums.


The make, model, and age of your car affect its value, repair costs, and the likelihood of theft, impacting your premium.


Living in an area with higher crime rates or a higher density of traffic can increase your premium.


The more you drive, the higher your risk of being involved in an accident, potentially raising your premium.

Driving history:

A history of claims, accidents, or convictions can result in higher premiums.


Some professions are considered higher risk and may face higher premiums.

Voluntary excess:

Choosing a higher voluntary excess can lower your premium, but you’ll pay more in the event of a claim.

Security features:

Installing approved security devices can lead to lower premiums.

Optional extras:

Adding extras like breakdown cover, legal protection, or a courtesy car can increase your premium.

Understanding these factors can help you find ways to reduce your car insurance premium.

Car Insurance Quote

Step 1

Complete your quick and easy quote

Car Insurance

Step 2

Reveal your cheap car insurance policies


Step 3

Pick your favourite and get instant cover