Reduce your Quote
No Claims Bonus
The more years of NCB you are able to prove, the lower the premium
Computer Quote require proof of No Claims Bonus less than 2 years old and not in use on another policy, but we may take into account company car NCB and accident-free driving as a named driver on another policy - call us on 0800 389 9949 for details.
No Claims Bonus Protection
If you opt to protect your NCB this will increase your premium
(although it may be worthwhile in later years)
It is not recommended to protect less than 4 years NCB as it may significantly increase your premium.
Voluntary Excess
The higher the voluntary excess you choose, the lower the premium
Computer Quote offer you the ability to set your own excess and keep the total cost of your insurance down. This can be especially helpful to young drivers and drivers of performance cars. However you should set the total excess at a level you would be comfortable to pay in the event of an accident.
Type of Cover
The lower the standard of cover, the lower the premium
Third Party and Third Party, Fire & Theft policies are usually cheaper than Comprehensive policies as they offer the driver less protection for his or her own vehicle in the event of an accident or damage. However, some companies may charge the same or less for a comprehensive policy in some circumstances so it is always worth quoting for comprehensive cover to compare the price.
Type of Use
The fewer additional types of use, the lower the premium
Adding cover for business use etc. will almost always increase the cost of insurance as there is a greater risk to the insurer because the vehicle is being used more often and for longer journeys. For example, driving for business can get tiring on long journeys and these drivers may be at more risk of accidents and therefore claims.
Named Drivers
The fewer additional drivers on the policy, the lower the premium
Adding named drivers to your policy will usually increase the premium as they increase the risk to the insurer.
Vehicle Value
The older and less valuable the vehicle, the lower the premium
If your car has a low market value it will be less expensive for an insurer to replace in the event of a total loss, naturally your insurance premiums are reduced according to the age and value of the vehicle.
Engine Size
The smaller the engine, the lower the premium
Cars with smaller engines tend to be less expensive to repair and are less attractive to fast drivers, so insurers categorise these vehicles into lower premium groups and charge less to insure them.
Where Kept Overnight
If kept away from the road, the premium will be lower
Should you have a garage or at least a driveway to park your vehicle overnight it is more protected from thefts and accidents than being left on the road, so your premiums will be reduced.
Vehicle Security
Fitting a Thatcham approved security device will lower the premium
Insurers recognise that cars fitted with an immobiliser tested by Thatcham (The Motor Insurance Repair Research Centre) are significantly harder to steal and the premium will be reduced accordingly. In some cases, insurers will require a certificate to show that the device has been fitted to a professional standard.
Pass Plus
If you are a new driver, having a Pass Plus certificate will lower the premium
The Pass Plus driving course is organised by the Driving Standards Agency (DSA) and offers new drivers additional tuition and experience to boost their confidence and driving skills. Insurers recognise that these drivers are then less likely to have an accident and reduce their premiums accordingly. Visit www.passplus.org.uk for details.
Age
The higher the age of the driver, the lower the premium
Older drivers, especially those over 25, attract lower premiums as they are more mature drivers and generally have more driving experience.
