How does your motor insurance measure up?

Click to follow
The table reflects one consultant's estimate of insurance premiums for selected types of motorist. It is not a "best buy" recommendation but an indication of what the market will charge for different risks, so individuals can assess their current policies. If yours seems out of line, Motor Advice could help. All quotes are for comprehensive cover.

Small economy Small/medium Family Large family Executive

model (pounds ) model (pounds ) model (pounds ) model (pounds ) saloon (pounds )

Male aged 23 (2 years' no-claims discount)

low-risk area 187.00 245.00 325.00 403.00 521.00

medium-risk area 204.00 293.00 387.00 466.00 624.00

high-risk area 311.00 425.00 561.00 708.00 898.00

Female aged 23 (2 years' no-claims discount)

low-risk area 142.00 207.00 287.00 362.00 456.00

medium-risk area 176.00 263.00 322.00 409.00 546.00

high-risk area 266.00 382.00 487.00 647.00 793.00

Driver aged 30 (maximum no-claims discount)

low-risk area 115.00 153.00 188.00 245.00 329.00

medium-risk area 126.00 174.00 229.00 281.00 384.00

high-risk area 190.00 263.00 330.00 388.00 530.00

Driver aged 40 (maximum no-claims discount)

low-risk area 96.00 129.00 153.00 203.00 249.00

medium-risk area 113.00 146.00 190.00 235.00 334.00

high-risk area 156.00 210.00 261.00 308.00 402.00

Driver aged 55 (maximum no-claims discount)

low-risk area 86.00 115.00 133.00 174.00 223.00

medium-risk area 92.00 128.00 154.00 200.00 274.00

high-risk area 132.00 181.00 217.00 260.00 335.00

Driver aged 70 (maximum no-claims discount)

low-risk area 88.00 99.00 120.00 147.00 198.00

medium-risk area 102.00 115.00 145.00 172.00 248.00

high-risk area 136.00 154.00 183.00 213.00 291.00

Illustrative quotes for driver aged 35, 6 years' no-claims discount, Ford Sierra 2.0 GL in garage

City centre (Liverpool L7) Rural (Truro TR3)

Best: Royal Direct 251.85 Best: GA Direct 153.72

2nd: Direct Line 254.20 2nd: Prospero 165.00

3rd: Preferred Direct 257.00 3rd: Sun Alliance Direct 167.00

4th: Touchline 282.00 4th: Privilege 168.00

Best broker's quote 308.71 Best broker's quote 185.90

Worst direct quote 451.00 Worst direct quote 235.14

Motor Advice is on (01897) 664422. Calls are charged at pounds 1.50 a minute and should not exceed four minutes. You will be asked a few short questions and given the names of companies most likely to offer you the best terms. This service is not suitable for drivers who are under 21, do not have a good claims record, are in a high-risk occupation or drive a high-performance or modified car.

Comments