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Car Insurance

It is illegal to drive a car without car insurance in the UK.

If you are involved in an accident your car insurance covers damage and compensation due to the other person if you are at fault and liable for the consequences of the accident.

Reducing the Cost of Your Car Insurance


The UK car insurance market is now very competitive but there are still ways of saving money. Car insurance premiums are based on certain criteria, for example most insurers assume that the annual average mileage is 12000 miles and if you do less than this you should tell your car insurance provider and the premium should be cheaper. Discounts also apply if you don't use your car to travel to work.

Certain car insurance providers focus on specific groups of people so using the Internet to shop around makes a lot of sense. If your car is garaged overnight rather than parked on a public road the car insurance premium will also be lower. If your spouse or partner is also to be covered under the insurance policy then it will be cheaper to name them rather than setting up the policy on an any driver basis.

Female drivers (believe it or not!) are statistically less likely to have an accident. You should also be aware that if you cancel your existing policy before a renewal date that part of the year would not count as a full year for no claims bonus calculations as only full years are taken into account.

Increasing Your Car Insurance Premium


Premiums even for careful drivers have increased over the years. This is because of a general increase in claims and payouts by car insurance providers. Premiums will also be subject to an increase if the standard car has been modified to increase its performance and if you use your car to commute to work in addition to social use.

UK car insurance providers apply a band of groupings to all cars from 1 the lowest risk to 20 the highest. If you have an expensive or rare car then it will probably fall into the most expensive high-risk bands. If you leave your car on a public road or highway rather than on your own driveway or garage the premium will be higher to reflect the greater risk of vandalism and theft. An immobiliser, steering lock and detachable stereo are deterrents to thieves and car insurance companies will take these into account.

If you live in a city then your premium will be higher than if you live in the country and nearly all UK car insurance providers will take into account the area's postcode.

Your sex, age, driving experience and history will also be assessed. Young males will pay higher premiums than older female drivers. Your occupation can also affect premium rates with sportsmen and entertainers heavily penalised.


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