Car Insurance News

Convicted driver insurance is standard car insurance for people who have penalty points, a previous ban or an unspent motoring conviction on their record. You can still get fully comprehensive cover after a conviction, but insurers price you as a higher risk, so premiums are usually higher than the clean-licence average. How much higher depends […]

Car insurance for new drivers is the cover you legally need once you pass your test, and it is the single biggest motoring cost most young drivers face. Premiums are high because new and young drivers are statistically more likely to be involved in a crash, so insurers price that extra risk in. The good […]

How car insurance is calculated comes down to one core idea: insurers estimate how likely you are to make a claim, and how much that claim might cost them. They feed details about you, your car and how you use it into statistical pricing models, then add fixed costs such as Insurance Premium Tax. No […]

NFU Mutual car insurance is a direct-sold, fully underwritten motor policy that is not listed on price comparison sites, so the only way to buy it is over the phone or through a local branch. It is positioned as a service-led, premium insurer rather than a budget option, and its comprehensive cover bundles in extras […]

How many car insurance claims per year is too many depends on the insurer, because UK car insurance has no fixed legal limit on the number of claims you can make. In practice, most insurers treat two or more fault claims in a three-to-five-year period as a point where your premium rises sharply and your […]

How a write-off value is calculated comes down to one figure: your car’s market value immediately before it was damaged or stolen, minus your excess. A write-off, also called a total loss, happens when your insurer decides it is not economic or safe to repair your car and pays you a cash settlement instead. The […]