| Convictions
- consumers with driving convictions will have a harder time procuring UK car
insurance. Both insurance premiums and the compulsory level of excess can be affected
by a tainted driving license.
Drink driving - convictions for drink driving
are taken with the utmost seriousness by UK car insurance companies. It is very
difficult for drivers with drink driving convictions to obtain car insurance at
all and if they can then they will be charged premiums of at least 100%. Insurance
companies may also refuse to give full insurance, offering a lower level of cover
such as third party. These restrictions imposed upon the convicted driver will
last for many years.
Poor claims record - having a poor claims record
will not only affect your no claims bonus but can also have repercussions on your
premium or excess. Often you will be penalised by being charged higher premiums
or a higher obligatory excess level if you have a history of insurance claiming
behind you.
Unsafe vehicles - all UK car insurance policies
oblige you to make sure that your car is in a roadworthy condition. If you do
not uphold this obligation then it is likely that any claim you make will not
be upheld.
Deception - if you are selling your car then
make sure that you receive full payment before parting with your vehicle. Your
insurance policy will under no circumstances cover you for your loss if you lose
your car through deception.
Health problems - health problems could cause
you difficulties when obtaining a UK car insurance policy. You will be asked to
claim certain illnesses on your proposal form.
Occupation - your occupation can also effect
your application for a UK car insurance policy if it is associated with a hazardous
lifestyle. Read more here.
Your location - where you live and where you
keep your car can affect your car insurance policies considerably from one street
to the next. Read more here.
Safety and security features - the higher levels
of security your car has, or the more quality safety features, the lower your
UK car insurance premiums are likely to be. Read more here.
Type of use - the way in which you use your car
also affects your car insurance premiums, depending on whether it is for domestic
or commercial purposes. Read more here.
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