When you get in touch for a car insurance quote, it is useful to have a few things to hand to help you get through the quote process as quickly as possible such as:
- Your car details (Car registration, make, model and manufacturer, as well as its current market value and annual mileage)
- Your personal details (the address where the vehicle will be kept, driving licence information, and any prior claims information)
- Policy details (When you want your policy to start)
- No Claims Discount (How many years you have with NCD)
Insurance providers provide customers with policies and premiums based on certain criteria such as postcode. If there are changes to some of this criteria, then it is really important to inform us right away as neglecting to inform your insurer could lead to problems if you need to make a claim and it could potentially invalidate your insurance altogether.
This is called a Mid-Term Adjustment and whilst some changes may have no effect, others may affect your premium. It is important to tell us asap when you:
- Move to a new house
- Change your name
- Need to add an additional driver
- Your work address changes, or you switch occupation
- Change where you park at night
- Your annual mileage changes
- Modify your vehicle
- Receive a conviction
Sometimes it will mean that you need to be moved to another insurance provider but as your broker, we can assess the market and find a suitable alternative rather than being locked into a policy unfit for your needs.
Yes, the car you choose to drive will have an impact on your insurance premium. There is a number of factors that insurers will take into account including:
- Year, Make and Model of the car
- Engine Size
- Car Group
- Safety Rating
- Cost of repair and availability of parts
- Modification History