Address – The area in which you live will also be considered when calculating the risk in insuring you, for example, the insurer will look at the level of car crime within your postcode area.
Occupation – Your occupation sometimes affects whether they insure you or how much the premiums are, for example, some insurers won’t insure professional sportsmen or have higher premiums for sales executives.
Claims History – If you have made a number of claims in recent years this will increase the amount you will have to pay for insurance as you will be seen as a high risk.
Medical history – The insurer will need to know if you suffer from any illnesses as this may affect your ability to drive and may mean you have to pay higher premiums.
Driving Convictions – Motoring convictions have to be declared and they will increase your premiums, especially drink driving convictions.
No claims bonus – You may have never made a car insurance claim and may have a clean driving record which will reflect favourably in the premium the insurer quotes.
Driving experience – Your driving experience will affect the premium as a more experienced driver is seen to be less likely to cause accidents.
Type of Car – The type of car you drive will fit into a pre-determined class and the insurer will have different risks associated with those classes and therefore different premiums.
Age of Car – the age of the car affects the premium as the older the car the lower the value.
Value of Car – Some insurers ask you to put a value on your car, although they will have an indication of the value through the other information you have provided.
Annual Mileage – The more you drive the higher the risk of you having an accident, hence the premium is increased.
Where the car is kept over night – Some insurers lower the premium if the car is kept in a garage or on your property overnight.
Security on the car – Having an immobiliser fitted to the car will lower the risk of the car being stolen and may be taken into consideration when calculating your premium.
Car usage – Most people drive their cars for social and domestic usage, but if you use yours for business travel or to make sales calls the likelihood of an accident increases and so do your premiums, so it may work out cheaper to go to a specialist insurer. If you have your car for business use and do not declare it, if there is a claim the insurer may not pay out, so be truthful.
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