Your car insurance price explained
When setting the cost of your car insurance, we analyse all the factors that affect it. Some are specific to you, including the likelihood of you having to make a claim, while others are a result of our constantly changing world.
Every customer pays into a central pot, and if you make a claim we pay it out of that pot. If lots of people claim at once, the pot has to go further, which means prices go up. But whatever happens, we constantly review the way we calculate the cost of car insurance so we can make sure you get the best price.