Calculating your premiums

Your car insurance premium

At Real Insurance, we know there’s no such thing as the average driver. That’s why we make it our business to find out as much about you and your car as we can. In this way, we make sure you get the best cover at a price you can afford.

We offer a range of policies to cover every driver’s circumstances and budget, including:

  • Comprehensive
  • Third Party Fire and Theft
  • Third Party Property

How we calculate your premiums

To work out the best price for your premium, we need to know:

  • The insurance history of the people driving your car
  • How old the drivers of your car are, and how much driving experience they have
  • The driving history of your car’s drivers
  • The age, make and model of your car
  • Any optional extras fitted to your car that have increased its value
  • The postcode where you keep your car at night and during the day – some areas have a lower risk of claims and incidents
  • How you use your car

Remember that if any of these factors change, your premiums could too – so it’s important to let us know straight away.

What you can control

Many of life’s circumstances are beyond our control. So it’s good to know that with Real Insurance, you’ll have the power to choose:

  • The value of your car – either an agreed value or the market value
  • The type of cover – comprehensive, third party or third party fire and theft
  • Whether to pay more for optional extra cover
  • The level of excess – the higher your excess, the lower your premium (and vice versa)