You’re probably thinking right now, why is my car insurance quote so high? I’ve had no accidents, my car has never broken down and I park my car in a garage. Unfortunately, those aren’t the only factors that play a role in determining your quote. Let me explain:


Age is probably the most important factor when it comes to determining your quote. Drivers aged between 17 and 25 are statistically the most likely to get in an accident. That means that if you’re between those ages, you could be facing the highest premiums. The less experienced of a driver you are, the more likely to be involved in an accident.

Your age is also related to your no-claim bonuses. The older you are, the more likely you will have more years of no claims underneath your belt because you have driven for longer.

No Claims Bonus

Having claims in your driving history (or having no history at all) is a big reason why your quote could be so high. When trying to get a quote, many insurance companies will ask whether or not you have had a claim in, say, the past five years. If you haven’t had any type of claim in the past year, you should have some kind of no-claim bonus.

The fact that you have just moved to the UK

Have you just moved to the UK from another country? Some insurance companies may find out from the country of your driving licence or the company that issued your no claims bonus, or by asking the length of time you have lived in the UK for.

You may notice that your car insurance quote is quite high and some car insurers don’t accept your no claims from the country you’re moving from. Based on the data we collected from a UK comparison site, we found that drivers born in a foreign country are charged 51% more on their car insurance on average.

At Marshmallow we do not agree that overseas-born drivers are 51% riskier. To tackle this problem, we started with a mission to help foreign drivers get affordable car insurance. We recognise your foreign NCB and accept your foreign driver’s licence.

Get your quote from Marshmallow!


Depending on your occupation, you could be out on the road more or in an office building the whole day. Maybe you’re carrying dangerous equipment or maybe working in high-risk areas. All these reasons could affect your quote.
That’s why two similar occupations will likely see around the same quote. But that’s also why the wording is very important. When it comes to telling your insurance what occupation you are, you have to be clear. For example, saying that your occupation is an assistant regional manager may turn out to be more expensive than assistant TO THE regional manager.

The Car

Your car has a big impact on the price of your quote. There are multiple characteristics to keep in mind when you’re getting a quote. What is the car’s value? How powerful is your car? Does your car have modifications to it? Is it a desirable car?
You are probably thinking, why does it matter if my car is desirable or not? Or, why does it matter if it has been modified? Suppose you modify your car to make it look nicer. That makes it more desirable for theft. Or if you modify it to make your car faster? The faster your car is, the more likely that it will be an expensive car crash.

Annual Mileage

If you commute to work every day, your quote will likely be higher than if you take public transportation to work every day. The more you drive, the more likely you are to get in an accident.

Type of Cover

Your type of insurance cover affects your price. There are normally three types of cover in the United Kingdom. You have:

  • Third-party only
  • Third-party, fire and theft
  • Fully comprehensive

The higher level cover you go, the more expensive your quote will be. Each cover offers more protection for you and your car.

Fully comprehensive at Marshmallow covers:

  1. Damage to your car and others
  2. Fire and theft
  3. Injury to you and other people
  4. Damage to property
  5. Windscreen damage
    ...And more!

With all this information that you just learned, hopefully, you will be able to make an educated guess to why your quote is so high and which car insurer you want to choose moving forward.

Get your quote from Marshmallow!