Location

Where you keep your car overnight, whether it be in a car park, in a locked garage, on a driveway or on a public road, affects the cost of your premium. This is because the level of security provided by these locations differs, and thus the risk to which your car is exposed differs accordingly.

The area where you live also plays big part in determining the cost of your premium. Each postcode in the UK is rated by the local area's vehicle crime statistics; if your postcode is deemed to be high-risk, you will pay more for your car insurance.

Although you do not need a special insurance if you live in an area with a lot of car theft, it may influence the type of insurance that you choose, which in turn affects the price of your premiums; for an additional sum you can upgrade your third party policy to third party fire and theft, for instance.