Other factors affecting your policy price

Lifestyle changes:
Lots of things can happen in a year. Moving home, changing jobs or a new car. These can all affect the price of your insurance. Even if you haven’t told us about any changes, we still have to consider other factors, such as your vehicle or property being a year older.

Your claim history:
Changes in circumstances mean your insurance price will go up if, for example, the chance of you making a claim has increased. If you’ve been involved in an accident (and even if you didn’t claim), then statistically, you’re more likely to make another claim in the future. A claim may affect your no claims discount if you haven’t protected it, so if you lose some or all of your discount, this will be applied to your renewal.

Your driving history:
For car, bike, or van insurance, we can’t ignore any changes to your driving record. If you’ve been given a speeding conviction over the year, it’s only fair this is reflected in your price. Driving or riding too fast increases the chances of you having an accident. So, that increased risk is likely to mean an increase in your price.