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Although UK car insurance policies are designed strictly to protect the damage or injury to vehicles, buildings and passengers, insurers tend to look into driving records in great detail before coming to their decision with a finalised premium.

Primarily insurers weigh up the factors that determine how frequently that a driver will make a car insurance claim. These factors are generally centred around the age, sex and driving license of an individual. Women’s car insurance is stereotypically cheaper than men’s car insurance due to statistical reasons, but driving habits and convictions can also play an influential role in rocketing a car insurance premium sky high or similarly keeping a premium to a cost-effective rate.

UK car insurance providers take a very dim view of drivers that show a distinct lack of vigilance on the motorways. Drivers caught speeding 20-30% over the legal limit are likely to be clamped down upon as many motorists continue to think it is okay to flout the laws. Meanwhile motorists convicted of using mobile phones at the wheel and driving without wearing a seat belt will also feel the pinch due to their irresponsible behaviour.

Common sense generally prevails in most individual cases. Good, safe driving will not only keep a driver safe, but it will also show brokers that they are dedicated towards protecting the lives of others and other vehicles – lowering the risk of making a car insurance claim.

CompareInsurers.com is managed by a team of car insurance professionals and car enthusiasts. Our aim is to enable you to find all the information you need to get a competitive UK car insurance quote. With over 50 UK motor insurance providers, you can be sure of finding the quote and the information you need.