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What affects your car insurance costs?
Angharad Evans white clock learner driver3 minute read Guides

What affects your car insurance costs?

Looking for flexible car insurance made for learners, newly qualified and experienced drivers? Many factors can impact your quote. But don’t worry – Veygo has you covered. Check out our simple guide to understand what affects your car insurance costs.

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We know that car insurance costs can be confusing, whether you’re looking for learner insurance, new driver insurance or pay-as-you-go, temporary car insurance. There are lots of factors that can impact your quote – anything from your area to the vehicle you’ll be driving, to how the wider insurance market is performing.

But don’t worry, we’ve got you covered with our simple guide to some of the things that affect car insurance costs:

The driver

Things like your age, how long you’ve been driving, where you live and your occupation will all be taken into consideration.

The vehicle

We look at factors like the type of car you’re going to drive, including its engine size. We also consider things like the cost of the car and the claims history for that type of car.

Claims and convictions

It’s important for us to know if you’ve previously been involved in an accident and whether or not you were at fault. We have to consider your driving history, including any non-fault accidents. You’ll also need to share any previous claims with us.

What if I’m not eligible for cover?

While we always want to get you covered and on the road, we’re not a guaranteed form of insurance, so we won’t always be able to insure you, unfortunately.

Our eligibility criteria changes regularly and is based on multiple things including industry data. As our criteria changes regularly, being rejected today doesn’t necessarily mean you won’t be able to get insurance with us tomorrow. Always give us a try if you need insurance as our eligibility criteria is regularly updated.

Sometimes, you might not be eligible for cover because of the car you want to drive. So, if you have access to another car, we suggest you do a simple re-quote with the other car as we may be able to offer you cover on that one instead.

Due to our changing eligibility criteria, you may encounter occasions where we’re unable to cover you. We understand how frustrating this might be, however as our eligibility criteria is continually updated, there will be occasions where you may have had cover in the past but you’re now being rejected.

Indicative pricing

We display your indicative price throughout the quote journey. This is likely to fluctuate, based on the details you input at each stage. This means that you may see a difference in your final quote compared to your initial quote.

Hopefully some of these pointers help you in understanding what can affect your insurance costs and eligibility to keep you covered. To get a quote for our learner insurance, new driver insurance or temporary insurance, head to our website for more information.

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