Example case studies

To illustrate how changing just one factor can dramatically affect a premium, we used a hypothetical case of a 21-year old female 2002 Ford Ka owner, living in medium-risk Hove, East Sussex.

Our mythical driver had been driving for four years, with three years' NCB, so her premium would be £716 - an equivalent male driver would pay £914 however.

Meanwhile, swapping the Ka for a 1999 Rover 218 takes the premium to £1277.70 - or £1613 for the male driver.

Next we looked at a 45-year old property developer, also living in Hove and driving a 2006 Ford Focus LX. Covering 5000 miles annually, he has a £200 excess, five years' NCB and leaves his car parked on the street. His premium is £268.41, but if we then tinker with these factors:

  • Add two claims and remove any NCB entitlement, the premium becomes £702
  • Add a speeding conviction the premium becomes £301.92
  • Add in a conviction for mobile phone use and the premium is £355.78
  • Add a teenage second driver the premium is £1445.09
  • Make the car a Porsche Boxster and the premium becomes £562.31
  • Increase the excess to £500 and the premium drops to £251.22
  • Protect the NCB and the premium becomes £295.17
  • Change the occupation to working in the motor trade (high risk) and the premium is £313.17
  • Make the home address Toxteth in Liverpool (high risk) and the premium jumps to £435.20
  • Make the driver an 18-year old male and the premium increases to £2,821

Click the links below to learn more and save money:

Types of cover Insurance groups
Minimum levels of cover Cutting the costs
Calculating your premium Security
The big premium deciders The real world
Example case studies Exploding myths
No claims bonus In the event of an accident
Protecting your no claims bonus Making a claim
Excesses When a car is written off

What is the difference between different insurance companies? Find out here:

Admiral Kwik Fit
Aviva More Th>n
Co-Op Post Office
Churchill Privilege
Direct Line RAC
eCar Sainsbury's
Esure Sheilas' Wheels
Elephant Swinton
Insure Tesco

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