The cost and availability of motor insurance cover will be greatly influenced by: The age and condition and type of vehicleIf you require cover beyond Third Party Only, the state and age of your vehicle are important as they will affect the availability of spare parts and the level of repair costs. A powerful, expensive vehicle will cost more in terms of spare parts and repairs. The age of the driver/sThis is not just your age but that of any person you allow to drive your car. Statistics and experience have shown that mature drivers have fewer accidents than younger drivers below the age of 25. Your past accident recordA clean driving record will obviously result in a lower premium than that for a person with a record of accidents or serious traffic violations. The nature of use of the carSocial, domestic, and pleasure purposes, business purposes, commercial purposes, car hire etc.