Telematics and how black-box insurance prices driving
Black-box insurance prices driving from real behaviour, cutting young-driver premiums. Understand what is recorded and the privacy trade-off.
Why young and new drivers pay more
Young and new drivers pay more because the risk data says so. Understand the pricing and the steps that genuinely cut the cost of cover.
What to do after a car accident
After a crash, the details you exchange and the timing of your call to the insurer shape everything. Know what to do and how a claim proceeds.
Motor repairs, write-offs and vehicle valuations
When repair costs pass the car’s value, insurers write it off. Understand how a total loss is decided and what you are paid.
Premium finance: the real cost of paying monthly
Paying insurance monthly through premium finance carries interest that can rival a loan. See the real cost, the FCA remedy and cheaper ways to spread it.
Third-party vs comprehensive motor cover
Third-party cover meets the legal minimum, comprehensive adds your own car. See what each level pays for and why cheapest is not always best value.