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Factors taken into account in setting your insurance premium include who will drive, the type of car, where it is kept, the uses to which it is put, and the type of cover required.
Older cars often attract discounts for comprehensive insurance premiums.
Insurance claims are more frequent in urban areas so motorists in cities usually pay more for their insurance than those who live in the country. The place where the car is kept is a rating factor, so tell your insurers if the car is not kept at your home address.
Speeding Convictions - Insurers know that there is a connection between the number of speeding convictions a person may have and their likelihood of making an insurance claim. So people with speeding convictions are likely to face higher premiums until their driving record improves.
Drink Driving Convictions - Drink driving convictions are taken very seriously by insurers. Convicted drivers returning to the roads may face difficulty in obtaining insurance and will certainly have to pay far higher premiums than before their conviction. The level of cover available may be reduced - for example from comprehensive down to third party fire and theft. These higher premiums and cover restrictions can well last for a number of years.
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