What affects insurances costs most?

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Soldato
Joined
5 Jul 2003
Posts
4,253
Location
Larndarn
I'm trying to work out what is the big factor in calculating a premium

age?
points on license?
NCB?
car band?
years of holding license?
crashes?


i would like to upgrade into a fast(er) car,

I'm 25, have held a license since 17. Only started on my own premium this year so only have 1 year NCB (though I also run a bike- can i double up with that?)

I have two crashes in the last month; both the other individual's liability (and they accepted)

I have 9 points on my license; 2 speeding and 1 mobile phone offense

What is going to be killing me in getting a class 20 car?
 
The major factors are still probably your gender and your age.

Statistically young men are so much more likely to have an accident that it is reflected in their insurance premiums.

Then it's probably the insurance class of the car.

Postcode will also have a bearing because of the likelihood of theft in your area.

Maybe an advanced driving course would help?

Rgds
 
Carole Nash lets you use your bike NCB on a car policy
http://www.carolenash.com/car_insurance/car.asp
However I feel obliged to say that 2 speeding convictions, a mobile phone offense and 2 accidents in a month suggest that you're not paying sufficient attention on the road, especially as you're a biker because you cant afford let your guard down at all when on two wheels. Even if an accident wasn't your fault there is such a thing as taking evasive action, you're not under any obligation to let other drivers actually hit you ;)
 
Hrm that postcode checker definitely justifies my idea of moving down to Tonbridge in the near future. Will take me from an F postcode to an A/B :p
 
The points you have will add to the premium and where you live will be a big factor.
NCB helps to get the premium down but I don't have any and have insured group 16 and 17 cars no problem and have had quotes on group 20 cars. (I also have 2 claims against me)

My postcode = A = Good Post code/Low Risk :)
 
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