How Is My Car Insurance Premium Calculated?
Before we start asking you the usual car insurance questions (such as your age, car, address etc), we ask three, very specific, behavioural based questions.
These questions are fundamental to our unique pricing, enabling us to provide you with a product that meets your individual needs.
These are:
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How many miles do you think you drive each year?
- Why? The more miles you drive doesn't necessarily suggest you are more at risk of an accident, but together with the type of road and time of travel, we can paint a much better picture of you as a driver.
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How much of your driving is spent by road type?
- Each road carries a different risk rating. Although not important on it's own, matched with the time you drive on this road helps paint a much better picture of you as a driver.
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How much of your driving is late at night?
- Like it or not, you are more at risk when driving at night. Together with your annual mileage and the types of road driven, our clever algorithm can allocate your car insurance premium based on how you drive.
Pretty simple really!