If it’s powerful, it’s deemed more at risk of getting into an accident driving at speed. If it’s expensive, it has a higher risk of being stolen. Type of car: If you have an expensive or powerful car, then you are seen as a higher risk for a number of reasons. This is simply due to the cars they drive being statistically more powerful and that they drive more hours than women, among other factors. Gender: Even though insurers are no longer allowed to discriminate on gender, men still often pay more for their insurance. You will find that more experienced drivers will usually get much cheaper insurance premiums. This is why everyone pays a different price for their policy.Īge: This is a factor because, generally speaking, older and more experienced drivers are less of a risk than a young person that has been driving for less than five years. Motor insurance in Trinidad is categorized on statistical risk, so there are several factors taken into consideration when you get a quote for cover. If you don’t know your no claims discount, don’t worry: we can get it from your previous insurer. No Claims Discount (NCD) historyĭetails of your no claims discount will help lower the price you are quoted by up to 60%. You can also add any additional driving qualifications you have here, such as defensive driving. The number of years you’ve held your driver’s licence. Including your name, your occupation, your age, and contact information. And you can add any other drivers to your policy at this stage. You’ll also need to say where you’ll keep the car at night for security. Social, commuting, or business, and how many miles you think you’ll do a year. We’ll also need the car’s age and sum insured value, and let us know of any modifications you’ve made. To see your personalised motor insurance quotes and compare, we’ll need some information on: Details of the car How to Get the Best Motor Insurance in Trinidad
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