Car insurance

There are 50 car insurance groups in total ranging from: group 1 e.g. Skoda Citigo SE – cheaper to insure, up to group 50 e.g. Bentley Flying Spur – more expensive to insure. Higher performance cars with larger engines are generally considered a greater risk to insure, so are placed in a higher car insurance group.

Your car’s insurance group is not limited to but determined by:

• The cost of your car when new
• The cost of replacement parts, time and labour costs for your car
• Its performance, meaning 0-60mph acceleration and top speed
• Its safety features, e.g. test crash rating
• Its security features, e.g. alarms, immobilisers

Read our guide on car insurance groups to find out more.

An insurer may run a ‘soft’ credit check during quote applications, but this usually will not prevent a person who has bad credit history from being insured. A soft credit check will not affect your credit rating.

Even if you did not apply for credit, a company can still request a soft credit check that doesn’t impact your credit score. This request is also not visible to other lenders.

When you take out car insurance on a monthly basis, effectively you’re getting credit. Therefore, our check is to ensure there is no evidence of previously missed payments. If this is the case, we may offer you an annual payment only rather than a monthly instalment plan. So, our credit check will not, in most cases, prevent you from getting the cover you need.

It’s a straightforward task to find out your car’s value, but you’ll need to do your research correctly, otherwise, you could under or overestimate the worth of the vehicle.

Start by putting your car’s details into a free online car valuation tool. But, don’t use just one, get an aggregate score from multiple sites and take the average figure from there. Why not take a look at these free valuation tools:

• Autotrader
• What Car
• Parkers

It’s important because when you come to selling your car or part-exchanging it for a newer model, it’s vital to know your car’s true worth when negotiating your deal.

Also, knowing the right price can mean you advertise your motor at a fair price, and therefore it should be more attractive to buyers.

You can get a copy of your Certificate of Motor Insurance in your online account area. From there you can view, save, and print your documents including your no claim bonus details, and other correspondence from MORE THAN. You can also request copies of your documents by getting in touch with us.

If you haven’t done so already, register or log into your online account area. It’s also worth checking your email inbox, including your spam or junk folder to ensure you haven’t missed important messages from MORE THAN. 

If your policy has been cancelled, you can still get proof of your NCB years by accessing your cancellation letter. You can find this in your online account area under the Previous Policies section.

Many factors affect the cost of your car insurance, and your premium may go up if you make a claim. Even if you are not at fault, making a claim could still increase how much you pay when you renew your policy.

An excess is the portion of a claim you pay for. This guide explains how it's made up of compulsory and voluntary elements. Choosing a higher voluntary excess may bring your premium down but you should make sure you can afford to pay this in the event of a claim.

Yes. Different occupations can present different risks, so it’s important to be as accurate as you can when entering your job title. Make sure you choose the appropriate usage when getting an insurance quote as this can affect your premium e.g. do you use your car to commute to work or for business trips.

Statistically the more miles you drive the more likely you are to have accidents. Choosing car insurance is all about getting the right cover for you and that should include an accurate estimated annual mileage.

• Loss or damage caused by wear and tear or loss or damage caused by loss of value
• Any part of a repair or replacement which improves your car beyond its condition before the loss or damage occurred
• Damage caused by mechanical, electrical, electronic or computer breakdowns, breakages or failures
• Damage to tyres caused by punctures, cuts or bursts, or any accidental damage to keys.

More details can be found in your MORE THAN policy wording.