Car Insurance FAQs

You can cancel your car insurance at any time, but you may face a cancellation fee. If you cancel within 14 days, you’ll usually get a refund minus admin fees. After that, insurers charge higher fees, and if you’ve made a claim, you won’t get a refund.

Yes, you can transfer your no-claims bonus (NCB) to a new insurer, but you’ll need proof, such as a renewal notice or cancellation letter. Some insurers require continuous coverage, and NCBs usually don’t transfer internationally or between personal and business policies. Keeping your NCB active helps lower future premiums.

Advanced driving courses like Pass Plus or IAM RoadSmart can help lower premiums with certain insurers. While savings aren’t guaranteed, these courses improve your driving skills and reduce risk, making you a more attractive prospect to insurers.

Yes, 17-year-olds can get car insurance, but it’s one of the most expensive age groups to insure due to a lack of driving experience. Premiums can be reduced by choosing smaller cars, adding an experienced named driver, or opting for telematics (black box) policies.

Car insurance costs typically start to drop around the age of 24-25. As you gain experience and build a no-claims history, insurers consider you a lower risk, which often results in reduced premiums.

Yes, black box insurance can often be cheaper, especially for young or new drivers. By monitoring your driving habits and proving you’re a safe driver, you may qualify for lower premiums.

A voluntary excess is a an additional payment ontop of your compulsory excess if you need to make a claim. This can reduce your monthly premiums.

Do you know how many miles you drive annually? You’ll need to answer this question when applying for car insurance. Insurers factor in your average annual mileage when calculating your car insurance quote.

Postcodes can hugely impact car insurance premiums. Depending on where you live, it could cost you hundreds, even thousands of pounds. Check out why car insurance for young drivers can differ so much based on your address.

Your age is the biggest factor affecting your insurance cost as a young driver between 17 and 24. While insurers consider many factors—like your driving history, the car you drive, and how you use it—young drivers typically pay more due to limited experience and a higher likelihood of filing a claim.

Your car insurance policy is more expensive when your job involves a lot of driving, and these occupations include delivery drivers, couriers, taxi drivers, and tradespeople like plumbers and electricians. Alternatively, occupations that typically demand much less driving, such as teachers, sales assistants and astronauts, will likely get cheaper insurance.