The cost and availability of motor insurance cover will be greatly influenced by:
If you are opting for a comprehensive cover be prepared that you are going to pay more than if you opt for a third-party only cover.
If you require cover beyond Third Party Only, the state and age of your vehicle are important as they will affect the availability of spare parts and the level of repair costs. A powerful, expensive vehicle will cost more in terms of spare parts and repairs.
Information about drivers affects the premium significantly. The insurer will require details not only regarding your age but also regarding the age of any person you allow driving your car. The younger you or any driver are, the higher the premium will be. Statistics and experience have shown that mature drivers have fewer accidents than young inexperienced drivers below the age of 25. Restricting the number of drivers on your car may result in a discounted premium.
If you have a full NCD, your premium will be reduced considerably.
A clean driving record will obviously result in a lower premium than that for a person with a record of accidents or serious traffic violations. Past claims may also influence the premium charged.
Social, domestic and pleasure purposes, business purposes, commercial purposes, car hire, etc. Furthermore, if you install a car alarm, you may be entitled to a reduction in your premium.
You may be entitled for a discount on your premium if you insure more than one car with the same insurance company.