What Factors Affect Your Premium?
- Your personal details such as age, profession, driving history etc.
- The no claims bonus - this can improve your premiums by up to 50% but it takes 13 years to get the full bonus.
- Where the car is generally kept.
- Whether the car is restricted to exclusive or non-exclusive driving (exclusive is defined as only the main driver and spouse. Non-exclusive driving can be applied to any driver who is more than 23, with at least 3 years driving history).
- Whether the car is used for private and professional driving or simply private (for retired people only).