Quote:
Originally posted by Hero
I don't know what insurance company told you that, but they were probably lying to you. Insurance is solely based on experience on the road, and that includes accidents, time spent on road that you had a license and how many accidents were your fault.
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Well, I dunno about where you come from, but in the UK there are loads of factors besides how long you've been driving that influence your insurance premium...
Firstly, the type of car you own affects the insurance immensely. Engine size, alloy wheels, spoilers etc all affect the cost. As does whether it's a UK model or an import. Then there is where it's kept overnight (i.e. street, garage, driveway). Your annual mileage makes a difference too, and of course the number of years of no claims you have.
On top of this you have age to take into consideration, your marital status, your sex counts too. Who you work work matters also (for example, my first insurance came in at £200 cheaper than normal just cos I work for the Government).
Where you live makes a massive difference too. Having a Liverpool post code means my insurance is much higher than someone who has a North Wales postcode.
Finally, your voluntary excess can also affect your insurance premium - although not as significantly as other factors....
Yes - my insurance is due in 8 days.... Best offer so far, £490 fully comp.
- S