Car Insurance Quote Form Guide

Below you will find a quick guide to insurance quote forms with each section explained as to why it is collected. Some of the popular questions found on car insurance quote forms are also explained.

Title
This is normally only used so the insurer knows how to address you, however some insurers use this field instead of asking for your gender.

Gender
As you are probably aware woman are statistically less expensive when they crash than men. This field will allow the insurer to charge you anything up to a few hundred pounds extra if you're a male.

Name
This will not effect the final premium

Address (Post Code)
Your address, or more importantly your postcode can make a massive difference to the final insurance premium. Every postcode is assigned an insurance group - more details can be found here.

Contact Number / Email Address
Used to contact you if you take out a policy, or to harass you if you don't :-)

Car Details
Most insurers will only ask for your cars number plate from which they can gather all the other details such as make, model, year and engine size. The most important factor about the car is the insurance group it is assigned. Click here to find out more information.

Do you driver another car on a regular basis?
For some reason certain insurers (Admiral, Elephant and Bell) will give you a cheaper quote if you select yes to this question.

Where is your car kept overnight?
As you'd expect if its kept in the garage your premium will often be slightly cheaper. There isn't normally much difference between keeping a car on the drive or on the street.

Have you had any claims within the last 5 years (regardless of fault)?
If you have made an insurance claim within the last 5 years, regardless of who's fault it was, it is likely this will increase your premium. The insurer will normally ask for details of the claim such as how much it cost.

Annual Mileage
You should always try and be as accurate as possible when answering this question. If you underestimate and then make a claim, it is possible your policy may be voided. It is worth noting that the mileage only applies to you, so if someone else drives your car this shouldn't be counted. With most insurers the lower the mileage the cheaper the premium will be. Insurance companies will sometimes only offer limited mileage polices to people who drive less than 5000 miles a year.

Additional Drivers
In most cases adding an additional driver will either increase of have no effect on the insurance premium. However, for young drivers adding an older female can sometimes reduce the premium. See here for more details.