Drivers
Information about drivers affects the premium significantly. Important factors include drivers' ages and their driving experience. Young drivers in particularly those under 25 pay a higher premium because statistics show that they are far more often involved in accidents. Young men have more insurance claims than young women. This means that some insurers will charge young women lower premiums than men of the same age. The premium may also be affected by drivers' occupations. Other factors include the accident record and history of convictions - drivers convicted of drunk-driving will, when they come back to driving, have to pay a very high premium for a policy providing only limited cover

Use
The use to which a car is put also affects the risk. Most insurers recognise three common classes;

• use for social domestic and pleasure purposes and use by the policy holder in person in connection with his business or that of his employer or partner
• use for social, domestic and pleasure purposes and for the business of the policyholder or that of his employer or partner
• all this cover, plus commercial travelling.