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.

Mileage Optimiser

See how your annual mileage affects insurance costs. Lower mileage often means lower premiums.

Your annual mileage

Your mileage band

8,000 miles per year

Insurers use mileage bands to assess risk. Generally, lower mileage means lower premiums because you spend less time on the road.

Consider reducing to 7,000 miles if your actual usage is lower

Run Full Insurance Analysis