{"id":3987,"date":"2019-07-26T15:19:17","date_gmt":"2019-07-26T15:19:17","guid":{"rendered":"https:\/\/www.credit-score.com\/blog\/?p=3987"},"modified":"2022-08-22T14:24:53","modified_gmt":"2022-08-22T14:24:53","slug":"car-insurance-criteria-you-should-consider","status":"publish","type":"post","link":"https:\/\/www.check.co.uk\/blog\/cars\/car-insurance-criteria-you-should-consider\/","title":{"rendered":"Car insurance criteria you should consider"},"content":{"rendered":"\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_79_2 counter-flat ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">What&#039;s Included?<\/p>\n<span class=\"ez-toc-title-toggle\"><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.check.co.uk\/blog\/cars\/car-insurance-criteria-you-should-consider\/#Introduction_to_car_insurance_criteria\" >Introduction to car insurance criteria<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.check.co.uk\/blog\/cars\/car-insurance-criteria-you-should-consider\/#Age\" >Age<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.check.co.uk\/blog\/cars\/car-insurance-criteria-you-should-consider\/#Gender\" >Gender<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.check.co.uk\/blog\/cars\/car-insurance-criteria-you-should-consider\/#Who_is_counted_under_your_car_insurance_criteria\" >Who is counted under your car insurance criteria?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.check.co.uk\/blog\/cars\/car-insurance-criteria-you-should-consider\/#Previous_claims\" >Previous claims<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.check.co.uk\/blog\/cars\/car-insurance-criteria-you-should-consider\/#Amount_of_time_a_driver_has_had_a_license\" >Amount of time a driver has had a license<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.check.co.uk\/blog\/cars\/car-insurance-criteria-you-should-consider\/#Type_of_car_in_your_car_insurance_plan\" >Type of car in your car insurance plan<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.check.co.uk\/blog\/cars\/car-insurance-criteria-you-should-consider\/#Mileage_and_age_of_the_car\" >Mileage and age of the car<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.check.co.uk\/blog\/cars\/car-insurance-criteria-you-should-consider\/#Addition_of_a_black_box\" >Addition of a black box<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.check.co.uk\/blog\/cars\/car-insurance-criteria-you-should-consider\/#Where_you_live\" >Where you live<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.check.co.uk\/blog\/cars\/car-insurance-criteria-you-should-consider\/#Finally_%E2%80%93_CREDIT\" >Finally \u2013 CREDIT!<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.check.co.uk\/blog\/cars\/car-insurance-criteria-you-should-consider\/#Credit-Score_offers_two_fabulous_solutions\" >Credit-Score offers two fabulous solutions<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Introduction_to_car_insurance_criteria\"><\/span>Introduction to car insurance criteria<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Car insurance: a sticky, messy, expensive ordeal that every car owner has had to wade through. Premiums for new drivers can be sky high and rocket even further based on factors some may never consider being important. It can seem impossible to know what will hinder you from getting the best car insurance deal possible, but here are a few car insurance criteria you should consider so you don\u2019t get any nasty surprises when insuring your new wheels.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Age\"><\/span>Age<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>This one is obvious: the younger the applicant is, the more\nexpensive the insurance premium will be. Younger drivers are generally\nconsidered to be inexperienced, immature, and are at higher risk of having an\naccident, meaning the insurance premiums for people under the age of 21 are\nusually very high. This factor isn\u2019t usually one that can be helped, but being\nmindful of other aspects that impact insurance should help reduce the cost. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Gender\"><\/span>Gender<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Another factor that there is no control over &#8211; the overall trend is that males tend to be quoted higher insurance premiums than females. Males are considered to be more reckless and accident-prone than women as statistically in Britain, men account for 74% road traffic deaths, 70% of serious injuries and 59% slight injuries on the road <a href=\"https:\/\/www.brake.org.uk\/facts-resources\/1593-driver-gender\">(source)<\/a>. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Who_is_counted_under_your_car_insurance_criteria\"><\/span>Who is counted under your car insurance criteria?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>In many cases, the parents of younger new drivers will be\nthe policyholders of the car insurance, with the younger driver as a \u201cnamed\ndriver\u201d on the policy. This very often makes the cost of insurance much less as\nthe main person being assessed for insurance is a more experienced, capable driver,\neven though the actual user of the car is also on the policy. In some rare\ncases, this is not true, and the following point will explain why\u2026<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Previous_claims\"><\/span>Previous claims<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>If any of the named drivers have had a claim on their insurance in the past 5 years, the premiums will increase. Before adding any named drivers on your policy, it is important to double-check this to avoid any surprises. A real-life example of this is my own experience:<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Story time!<\/h4>\n\n\n\n<p>On my insurance policy, my dad is the policyholder, with\nmyself and my mum as named drivers. When applying for insurance online, we were\ntold there were discrepancies with the information we provided and given a\nnumber to call. Upon calling the insurance company, we were informed that as my\ndad had a previous claim on his account with his previous insurance company, my\ninsurance would increase by \u00a3400 a year.<\/p>\n\n\n\n<p>The reason for this was as follows: 3 years ago, a reckless\ndriver was in front of my dad, driving very dangerously and nearly causing\naccidents. As a result of his behaviour and nearly causing a collision, my dad\nhonked his horn at this driver and thought nothing more of it, being careful to\nstay away from the car ahead. When my dad arrived at his destination, he\nrealised the reckless driver had doubled back to follow him. The person then\ngot a baseball bat out of his car and smashed my dad\u2019s wing mirror off. As\ninstructed by most insurance companies, the following day he phoned his\ninsurance company and informed them of the incident but did not make a claim.\nThis was logged as a claim regardless and could not be removed from his record\n\u2013 the knock-on effect of this means I now have to pay a higher insurance\npremium. Moral of the story: be sure to check the claims history of every named\ndriver even if they do not think there is a claim on their account (and don\u2019t\nhonk at bad drivers even if you want to, you never know what could happen!)<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Amount_of_time_a_driver_has_had_a_license\"><\/span>Amount of time a driver has had a license<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>If a person has had a driving license for several years,\ninsurance companies tend to assume that this person has been driving for that\nlength of time. Therefore, you are seen as being more experienced and less of a\nrisk to insure so your premiums will be cheaper.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Type_of_car_in_your_car_insurance_plan\"><\/span>Type of car in your car insurance plan<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>This is one of the most important car insurance criteria! The type of car you get directly affects the amount of insurance you will have to pay; a big engine, a car that is large in size and one that\u2019s more expensive will naturally be much pricier to insure \u2013 especially when considering engine size! It is better for first-time drivers to get a car with an engine size of around 1-1.2 litres. It means that the top speed and acceleration rate of the car will be less and insurers see this as being a less risky choice for a newbie driver. <a href=\"https:\/\/www.autoexpress.co.uk\/best-cars\/first-cars\/64339\/best-first-cars-for-new-drivers\">Here<\/a> is a list of cars that are good options for new drivers. If you want to know more about how car choice can affect insurance, read our blog post on the top 5 things to consider when buying your first car <a href=\"https:\/\/www.check.co.uk\/blog\/2019\/07\/26\/top-5-things-to-consider-when-buying-your-first-car\/\">here<\/a>!  <\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Mileage_and_age_of_the_car\"><\/span>Mileage and age of the car<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Insurers will look at the number of miles a car has\ntravelled and the overall age of the car to determine how likely it is to break\ndown or have mechanical problems you may claim for in the future. If your\nnew(ish) car is of considerable age and has been around a bit, then you can\nexpect to pay more for it. Newer cars may be more expensive to buy in the first\nplace, but you\u2019ll save money in the long run on your insurance costs.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Addition_of_a_black_box\"><\/span>Addition of a black box<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Having this speed tracking system placed in your car is a\nsure-fire way to get your insurance costs reduced. For as long as you have it\ninstalled, it will be constantly recording your driving activities \u2013 especially\nif you\u2019re going over the speed limit \u2013 which the insurance company can check.\nIf you stay within the speed limits everywhere you go (which you should\nanyway), this will prove that you are a safe and responsible driver and your\npremiums will be reduced. Your premiums will be cheaper in the first place\nanyway if you opt for the black box from the get-go.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Where_you_live\"><\/span>Where you live<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>This factor isn\u2019t normally one that people would take into\naccount when applying for insurance, but it does have a heavy weighting on the\npremiums you will pay. More highly populated areas with more cars are much\nhigher risk than rural areas with few vehicles as the chances of you having an\naccident are much higher. To balance this risk, your insurance cost will be\nmore if you live in a densely populated city.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Finally_%E2%80%93_CREDIT\"><\/span>Finally \u2013 CREDIT!<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Insurers do take your credit report into account when\nconsidering your application. Any bad credit or missed payments on your account\nare a red flag for insurance brokers as to them, it\u2019s a sign you may not pay\nyour premiums, resulting in being quoted a much higher rate. Of course, if you\ndon\u2019t want this to be an issue, you can sign up sort your credit with Credit-Score\nbefore applying!<\/p>\n\n\n\n<p>Car insurance is highly complex with a wide range of factors that can affect how much you will pay. Taking into account the controllable elements listed above and being aware of the others means that you can make the most well-informed decision when applying for car insurance. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Credit-Score_offers_two_fabulous_solutions\"><\/span>Credit-Score offers two fabulous solutions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>If you\u2019re preparing to take a mortgage, never apply until you\u2019ve tried our unique and&nbsp;<a href=\"https:\/\/home.credit-score.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">FREE Credit-Score Home app.<\/a>&nbsp;Our smart technology will tell you what you need to fix so you avoid rejection. The app predicts when you will be able to buy, for how much and tracks your month-by-month progress to mortgage success. We\u2019ve even added your own mortgage broker, so you get the best deals available.<\/p>\n\n\n\n<p>More focused on your credit rating? Well, get started for free with&nbsp;<a href=\"https:\/\/www.check.co.uk\/register\" target=\"_blank\" rel=\"noreferrer noopener\">Credit-Score\u2019s 24- Factor Credit Check<\/a>&nbsp;to truly help you improve your creditworthiness and how lenders view you. (Remember: lenders don\u2019t use your credit score! We\u2019ll show you what lenders look for and how to get your credit report in the best shape possible).<\/p>\n\n\n\n<p><strong><em>Last updated by Oliver Macmillan, May 2022<\/em><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"Introduction to car insurance criteria Car insurance: a sticky, messy, expensive ordeal that every car owner has had&hellip;\n","protected":false},"author":22,"featured_media":4073,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[435,434],"tags":[438,437],"class_list":{"0":"post-3987","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-car-insurance","8":"category-cars","9":"tag-car-insurance","10":"tag-cars"},"acf":[],"featured_image_src":"https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2019\/07\/photo-1498887960847-2a5e46312788.jpg","author_info":{"display_name":"admin","author_link":"https:\/\/www.check.co.uk\/blog\/author\/admin\/"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Car insurance criteria you should consider | Credit-Score UK<\/title>\n<meta name=\"description\" content=\"Car insurance criteria for new drivers can often be a sticky minefield to navigate. 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