Everything a girl needs to know about cars
Calculating Car Insurance
Featured Insurance News
April 23, 2018
Making Car Insurance Clear

Every driver must have insurance to legally drive, but do they always know what goes into
calculating the final cost? Most have a vague idea, but can’t give a definitive answer. Insurers factor
in a number of variables – from driving habits and location to where the insurance is bought from.
The AA have created an animated video about it that you can see by clicking here, and we go into further
detail underneath.

Your car
Obviously, the type of your car you drive is going to be a major factor in an insurers pricing. The age
and value of the car are important, as well as the insurance group that it’s in. Insurance groups are
worked out by a cars price when new, their performance, repair costs and the cost of replacement
parts; meaning higher performance car models are usually in higher insurance groups as they will
cost insurers the most in claims. Security features, such as locks and alarms, also factor into an
insurance grouping.
Car modifications like tinted windows or custom exhausts can also increase insurance cost whereas
additional safety features like a collision warning system could lower it. Although still in
development, autonomous or driverless cars could also attract a much lower premium due to being
considered safer.
Your driving
The other big factor that goes into insurance calculations is how you drive. Your expected annual
mileage will indicate to an insurer how much deterioration may occur to your car. Having penalty
points, suspensions or convictions on your license, as well as previous insurance claims, will also be
important in how your premium is assessed.
The area you live in will also be considered as it may have higher crime and crash rates meaning
more claims. Although it doesn’t reflect your own driving, insurers have to account for this as the
risk of theft or accident increases.
Additional factors
Besides the above considerations, there are additional factors that go into insurance calculations.
One, is your no claims discount – the number of years that have gone by without you making a claim
on your car insurance. The more years, the better the discount.
The other is your level of voluntary excess – the amount you pay towards an insurance claim. There is
voluntary and compulsory excess; you set the voluntary amount of excess whereas your insurer sets
the compulsory amount. By choosing a lower voluntary excess, it can raise your premium.
Other policy add-ons to your insurance such as a replacement car, legal assistance cover, windscreen
cover will also affect your insurance cost.
Cheaper car insurance
There are a few ways that you can get cheaper car insurance. If you buy from a third-party website,
such as a comparison site, you may only see basic packages rather than a customisable package that
you may need or prefer. In this case, it might buy straight from an insurer as you may get a greater
level of cover or additional benefits such as a courtesy car.
Technology such as a car black box that tracks your driving can also lower premiums with many
insurers. For new drivers, doing a Pass Plus driving course to improve their driving ability can also
lower their insurance premium with some insurers. It’s wise to check first, to see if they do.

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Car Theft Survey
Gemma Masini
July 30, 2013

The future is not looking bright for motorists in the northern cities in Great Britain, as car theft is topping the charts Northern England according to a recent census.

www.honestjohn.co.uk conducted a survey of 515,248 UK police force records from October 2011 to September 2012, during that time 505 offences took place in Manchester much higher than the average, so high in fact that it was four times above the national average, and for all those living in Norwich you can let you mind rest easy as they a nominal 121 offences where committed during that time.


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Tips for Buying New Drivers Car Insurance
Gemma Masini
July 30, 2013

You’ve just passed your test and can’t wait to get on the road. Not so fast… have you thought about your car insurance? For new drivers, it’s notoriously expensive so make sure you check out our simple tips for buying new drivers car insurance to ensure you get the best deal.




Think before you buy new drivers car insurance

It may sound obvious, but consider how much money you’ll have to fork out for your insurance before you purchase. Choose a car from a lower insurance group and then you won’t end up with any nasty shocks when you have to cough up.

Car Finance OptionsShop around

This is a time where you must take advantage of comparison sites. Don’t be put off by having to input lengthy details. It only takes five minutes of your time and it could save you hundreds of pounds. Also, be sure to search a few comparison sites because they don’t all cover the same insurers.

Consider an extra qualification

Taking a driving test is incredibly stressful and it goes without saying that you will have worked very hard to pass, so the last thing you feel like doing is taking another test. But before you dismiss any extra work, consider taking an advance driving course, like Pass Plus. Some insurers offer a discount for the qualification.

Keep it simple

It’s really exciting buying your first car and, of course, you want to make it your own. But try to steer clear of making modifications, such as alloy wheels and the like. This is because the more changes you make to your car, the more you may be charged.

Car theftCar theft – Think security

Installing security measures can mean that you receive a discount. Declare anything such as alarms and tracking devices to see if they make a difference to the amount you need to pay. Additionally, where you park your car can affect your car insurance. Obviously, parking your car in a garage is the safest and may save you some cash, but don’t lie about details like this, because it may mean that you might not be able to claim, should you need to, in the future.



Choose a higher excess

This can reduce your premium but obviously make sure that you can afford to pay this if the worst should happen.

Summer Car ChecksDrive less!

Put simply, the more miles you drive, the more you’ll have to pay. If you can find any way of reducing journeys, then go for it. Don’t be tempted to lie about your mileage though. Your car insurance will be declared void if you’re found out.

Don’t pay monthly

If you can, pay upfront for the year. You’ll be charged interest if you pay monthly so it works out so much cheaper in the long run if you can pay in one lump sum.

Add a named driver, but be honest

You can add a named driver to your policy, which is particularly good if they’re older and more experienced because it’s assumed the driving responsibility is shared between a low risk and high risk motorist. Then obviously, the time that the high risk motorist spends behind the wheel is reduced and potentially, the risk of an accident is lowered. However, don’t do this if it’s untrue, because it’s illegal and, of course, your insurer won’t pay out. Always ensure that the main driver on the policy is the person who’s driving the car the most.

Insurance folderOne final thought… Black Box Insurance?

This involves your car being fitted with a device that basically records your performance and driving habits. Like speed, braking, the types of roads you use, the number of journeys you’ve made and the distance travelled, etc. If you’re deemed to be a safe driver, then the price you pay for insurance may decrease. It’s certainly worth enquiring about this type of car insurance, but don’t forget that your car insurance may also increase by installing this device.

As mentioned, make sure that you tell the truth about all of the details that are requested of you. You won’t be able to claim if you’re found out and while you may have saved hundreds on the good work that you put into finding cheap insurance, it won’t be worth it if it’s declared invalid later on.

  • Anna Vaccaro
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Should I Pay Extra For No Claims Discount Protection?
Gemma Masini
July 29, 2013
Red Calculator

No Claims Discount Protection, also known as NCDP, is one of the extras we’re often offered on taking out a car insurance policy. In the case of most insurers, if you are lucky enough to have a full 5 years’ no claim discount, this option will be open to you. Basically, your choice is to pay an additional charge for the privilege of protecting your NCD in the event of a claim. So, is it worth it? (more…)

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In Vehicle Cameras – Big Brother Watching Drivers?
Gemma Masini
July 29, 2013
Not necessarily a bad thing ….!

You’d be forgiven for thinking the advent of in-vehicle cameras is just another invasion of privacy and a continuation of the ‘Big Brother’ style society. However, the following story may change your mind….. (more…)

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