Your guide to the hard market
Levels of Vehicle Cover
Third party only
Your legal liability for injury or damage you or permitted drivers may cause to others as provided by Third Party cover.
Third party, fire and theft
Fire and theft cover to your car and your legal liability for injury or damage you or permitted drivers may cause to others as provided by Third Party Fire & Theft cover.
Loss or damage to your car through accident, fire or theft and legal liability for injury or damage you or permitted drivers may cause to others as provided by Comprehensive cover .
What factors can affect your Motor Insurance premiums?
You may be surprised at what's affecting your quote
From your postcode to your age, check out some common factors insurers take into account when providing you with a quote.
Younger drivers usually attract higher premiums, yet you may find rates drop drastically once you turn 25. The elderly are also considered higher risk drivers.
Where you live can drastically affect your insurance premiums. Those living in a rural town may get a quote of nearly half those living in a city centre.
The type of vehicle you drive
Both car type and engine size can have a significant impact on your insurance quote, generally the higher the car’s worth or risk, the higher the premium.
Number of years driving/miles driven per annum
How long you’ve driven for plays a part in deciding your insurance premium and how many miles you drive per annum also has an effect. Experienced drivers who drive infrequently may find they have lower premiums.
Any penalties, including speeding offences will bump-up your insurance premiums.
Insurers will look at your credit history as well as previous claims before deciding how much of a risk you pose.
No Claims Bonus
As a driver’s number of years having made no claims increases, they’ll often find their premium decreases.
Learner Driver Insurance
Ensure you're covered whilst learning the ropes
If you’re a learner driver practicing in someone else’s car whilst you get the hang of things, you could benefit from Learner Driver Insurance.
This is a fully comprehensive policy which ensures that the owner of the vehicle can be safe in the knowledge that, if something should happen, their vehicle and any third parties affected will be covered without affecting their No Claims Bonus.
This provisional policy can last 30, 60 or 90 days, with the option to be extended.
Reducing your insurance premiums
There are a number of factors which affect your insurance premiums, such as location, age and engine size.
Some of these are out of your control, yet there are other ways to potentially reduce your Motor Insurance premiums.
In your car:
- Avoid commuting
- Secure your car overnight
Obtaining a quote:
- Increase your voluntary excess
- Pay annually
- Build up a No Claims Bonus
- Don’t guess your annual mileage
We have been using The Insurance Centre for a good number of years and they have always offered very competitive prices and they also answer any questions and queries efficiently.
Being able to call or visit the office has meant I’ve not had to spend time trying to contact insurance companies, which has enabled me to concentrate on other areas of our business.
I highly recommend this company and wouldn’t consider using anywhere else for our insurance needs. They are centred around customer care and the dedicated team are friendly, approachable and highly professional.
TIC are a company that care and they always go the extra mile.
The Insurance Centre has provided insurance services to our company for a number of years. Their approach to customer service is incomparable, with expert advice and the most competitively priced policies to suit our business needs.
The support continues all through the insurance process from obtaining the initial quotations, changes to the cover during the term of the policy and providing assistance during accidents and claims. The Insurance Centre responds promptly and professionally to any communication.
We would highly recommend the company to anyone who is looking for a helpful, friendly, proactive and efficient approach to insurance services.
| Bay Scaffolding Ltd
I found The Insurance Centre a great company to deal with when sourcing my combined brewery and tap room insurance policy.
Suzanne’s advice was second-to-none, her attention to detail and tenacious approach meant that I was covered when my business was ready to open at a premium that was the most competitive amongst the quotes I had obtained. I will definitely be working with The Insurance Centre again in the future.
Carnival Brewing Company|
Ourselves and a number of our extended family members have used The Insurance Centre for the past 30 plus years for both our business and personal insurances. Nothing is too much trouble and all our queries are dealt with swiftly. We could not recommend them highly enough.
High Net Worth and Property portfolio client|
Frequently Asked Questions
There are a few ways you can reduce your premium. Things like keeping a low annual mileage, maintaining a No Claims Bonus of five or more years, limiting the number of people on your policy – especially young drivers, increasing your voluntary excess and improving the security of your car, can all drive down your premium.
When buying a car, most drivers don’t put as much thought into their insurance as they do when choosing the car and will often look for the cheapest option over the relevance of the policy to them. Our team at The Insurance Centre will search through a selected panel of UK insurance companies and over 300 insurance schemes to find a policy which will offer you a suitable level of cover at the right price.
It can sometimes be a frustrating and difficult process making a motor claim or a change to your policy. With The Insurance Centre, if you need to amend your Motor Insurance policy, pay a renewal premium or discuss a claim, our friendly experts will be on-hand at our offices in Lancaster and Knott End to quickly deal with your query.
These premiums are calculated based on a number of different factors and are dependent on the cover you require. Your premiums will vary based on factors such as your age, the car you drive, your No Claims Bonus, the size of your car’s engine, the age of the car, your annual mileage, where the car is stored overnight and the location the car will mainly be kept.
As a learner driver driving your own car, you would need to insure this with standard Motor insurance. If you’re driving a friend or family member’s car, you might want to consider a Learner Driver Insurance policy. We can provide both of these at The Insurance Centre and advise you on any further queries you may have whilst on your learning journey.
Sadly, no. However if you are towing your caravan on the road, your caravan will be covered for Third-Party Liability Cover. This means that if your towing vehicle is involved in an accident affecting a third party, the insurance will cover the cost for any damages to the third-party but any damages to the caravan will not be covered.
This is a valid question, considering we will no longer be able to buy new petrol/diesel cars from 2040. It’s certainly feasible to insure an electric car however at the moment it does, as standard, cost more to insure than an average car. That being said, more and more people are going electric so as with anything new there will hopefully come a point where the gap between electric and non-electric cars premium costs balance out. If you want a no-obligation quote from The Insurance Centre for your electric car, get in touch via the contact form below.
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