You'll still get a renewal invite before the policy end date, but cover will stop if other arrangements aren't made. If you choose to automatically renew, you can switch to manual renewal at any time. There are many reasons why the cost of your car insurance may have changed on renewal, with some having a bigger impact than others. Government changes to IPT could unavoidably increase your quote. This could include higher prices for parts and labour, patterns in car theft and the types of claims being made. It"s important you tell us about these events, or else it could invalidate your policy should you need to make a future claim. The more miles you drive, the more likely you are to be involved in an accident. Your car"s value, engine size and desirability could increase the risk of it being stolen or the cost of it being repaired. When overall levels of traffic change, so do overall levels of claim frequency. The level of traffic on UK roads will change over time, influenced by things like the cost of petrol. These are changes made by the Government, such as larger payouts or the removal of legal costs for specific claims. Your job could influence the hours you work, the time you travel and the amount of driving you do. The higher numbers of pedestrians in cities can also increase the likelihood of injured parties. Accidents are more likely if you live in an area with relatively high traffic levels. However, reported statistics indicate that the risk of being involved in an accident increases after the age of 70, and drivers over 70 and especially over 80 years, are more likely to be at fault when they crash. On average, experienced drivers are less likely to have an accident compared to newer drivers. It"s based on several different factors relating to you, your car and surroundings. Your Direct Line car insurance quote is a reflection on how likely you are to make a claim and how expensive that claim could be.
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