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Car Insurance in the UK

is increasingly becoming expensive and it is estimated that one in twenty motorists in the UK are driving without any insurance. This adds somewhere in the region of £30 to the insurance policy of every insured driver in the UK.


Fortunately the police are now clamping down hard on un-insured drivers in the UK. The lack of a tax disc on a car is a sure sign that the car is not insured and police cars can check a registration plate within seconds against the police computers. The penalty for driving without insurance is severe and can lead to a total ban. All insured vehicles are recorded on the national Motor Insurance Database.

The rising cost of Car insurance quotes

is an indicator of how many accidents occur on our roads and how expensive it is to repair modern cars. With today's modern paint finishes, alloy wheeels and complex electronics and engineering it is far more expensive to repair a car after an accident than it was 30 years ago. Plus there are an ever increasing number of cars on the road and far greater number of young inexperienced drivers who have a higher accident rate than more mature drivers. However more careful drivers do not in reality pay higher premiums to pay for the accidents of younger drivers.


Each car insurance quote is calculated based upon your particular circumstances and which statistical category you fall into in their opinion. Younger drivers pay higher premiums because their category have a far higher claim rate, whilst for example more mature lady drivers will pay lower premiums because their category is considered to be less risk. There is obviously a difference in premium base dupon the make, model and year of the car being insured, the geographical area the driver lives in and the type of insurance covered which maybe Third Party only, Third Party Fire And Theft or Comprehensive. Other factors also include the number of miles you drive each year and where the car is stored, that is in a garage, on a driveway or on the street. The last factor is of course whether you have have any previous claims against your car insurer or whether you have any previous driving offences. Most insurance websites request this type information for car insurance in the UK.


The price of your car insurance in the UK

is also affected by the excess or waiver amount you have requested on your policy. Car insurance with an excess of £500 is going to be a lot cheaper to buy than car insurance with an excess of £100, all other factors being the same. The excess is the amount you will have to pay out of your own pocket towards any claim against your car insurance. So for example let's say you drive into the back of another car causing £1,500 worth of damage and you claim for this, then you will have to pay the first £500 of the costs if your excess is set at £500.

Any claim made against your car insurance by you or another driver will affect your No Claims Bonus. The No Claims Bonus is a reward for drivers who have driven without making a claim against their insurance and the more years you build up the cheaper your car insurance becomes the next time you apply.

Young drivers getting their first car insurance policy

are often charged very high premiums particularly if they are the primary driver on the policy and their car is more than just an old and small city mini car. Many young drivers have their first experience of car insurance in the UK by adding their names to their parents policy. This immediately reduces the cost of car insurance for the young driver, however the young driver is not building up much of a No Claims Bonus as a result. So even if they have driven for a year without a cliam on their parent's policy they will not receive much of a bonus when they eventually come to purchase their own car insurance policy.

It is reported than many young drivers purchase a car and register the car in their own name but buy a car insurance policy with their parent's name as the main driver. This has caused issues for the young driver when claiming because the insurers are of the opinion that the main driver is in fact the young car owner and not his parents and therefore the details provided for the car insurance quote were fraudulent. It is reported that often the car insurance company will not pay out on the claim and the policy becomes invalid. Providing false car insurance policy details is in fact a criminal offence in the UK.