Why is my car insurance so expensive in the UK?

Insurance price is based on combined risk signals such as driver profile, postcode risk, vehicle insurance group, annual mileage, claims history, and policy setup.

What factors increase car insurance price?

Common factors include high-risk postcodes, higher insurance groups, larger engines, low no-claims bonus, prior claims or convictions, and higher annual mileage.

How can I reduce my car insurance premium?

You can reduce premiums by improving overnight parking security, optimising annual mileage, building no-claims bonus, reviewing voluntary excess, and comparing insurer pricing.

How do insurance groups affect insurance price?

Insurance groups indicate expected claim risk for a vehicle. Lower groups generally cost less to insure, while higher groups typically result in higher premiums.

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Frequently asked questions

Everything you need to know about QuoteRefine.

We use your driver details, vehicle information and postcode to check 50+ factors used by UK insurers, then show the biggest drivers behind your premium.

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