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.

Privacy Policy

Data collection explanation

QuoteRefine collects information necessary to provide our insurance analysis and optimisation services. We collect:

Account data – Email, name, and password (hashed) when you create an account
Analysis data – Vehicle registration, postcode, driver details (age, no-claims bonus, etc.) and other information you provide when running an analysis
Payment data – Processed securely by Stripe; we do not store full card numbers
Usage data – Pages visited, features used, and technical data (IP address, browser type) for security and service improvement
Communication data – Messages you send via our contact form or support channels

We use this data to deliver personalised reports, process payments, improve our services, and communicate with you. We do not sell your personal data to third parties.

GDPR compliance

If you are in the European Economic Area (EEA) or UK, we comply with the General Data Protection Regulation (GDPR) and UK GDPR. Your rights include:

Right of access – You can request a copy of the personal data we hold about you
Right to rectification – You can ask us to correct inaccurate or incomplete data
Right to erasure – You can request deletion of your personal data in certain circumstances
Right to restrict processing – You can ask us to limit how we use your data
Right to data portability – You can request your data in a machine-readable format
Right to object – You can object to processing based on legitimate interests or for marketing
Right to withdraw consent – Where we rely on consent, you can withdraw it at any time

To exercise these rights, contact us at support@quoterefine.com. We will respond within 30 days. You also have the right to lodge a complaint with your local data protection authority.

Cookies usage

We use cookies and similar technologies to provide, secure, and improve our services. Our use of cookies includes:

Essential cookies – Required for the site to function (e.g. session management, authentication). These cannot be disabled.
Analytics cookies – Help us understand how visitors use our site (e.g. page views, navigation). Data is aggregated and anonymised where possible.
Preference cookies – Remember your settings (e.g. language, region).

You can manage cookies through your browser settings. Disabling certain cookies may affect site functionality. For more detail, see our Cookie Policy.

Data retention and security

We retain your data only for as long as necessary to provide our services, comply with legal obligations, or resolve disputes. We implement appropriate technical and organisational measures to protect your data against unauthorised access, alteration, disclosure, or destruction.

Updates

We may update this Privacy Policy from time to time. We will notify you of material changes by posting the updated policy on this page and updating the "Last updated" date. We encourage you to review this policy periodically.

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