Know why you’re paying more.
Understand what’s behind your insurance premium, see how it compares with the market, and explore better-fit cover.
Clear explanations. No insurance jargon.
Your renewal
£1,020/ year
- Previous premium
- £720 / year
- Renewal date
- 12 Oct
What’s changed?
Indicative- Market conditions
- Vehicle factors
- Location
- Mileage
- Policy changes–
Your premium has increased faster than the wider market benchmark.
Illustrative product preview.
A higher premium shouldn’t come without an explanation.
Why did my premium increase?
Is everyone paying more, or just me?
Could I get similar cover for less?
Three steps, start to answer.
01
Add your insurance details
Enter your current and previous premium, or upload your renewal information.
02
Understand your premium
The platform analyses your information alongside available insurance and UK market data.
03
Explore your options
Understand potential premium drivers and compare suitable alternatives.
Your premium, taken apart.
Premium change
£720£1,020
Difference
+41.7%+£300 / year
Against market benchmark
Faster than market
Part market-wide, part specific to you.
Your premium context
Select a row for detail
Claims costs, repair inflation and vehicle technology have pushed motor pricing upward across UK insurers. A share of your increase is likely to reflect that movement rather than anything specific to your policy.
Based on available market pricing data.
Your vehicle details are the same as last year. Repair and parts costs for this vehicle group have risen, and insurers commonly reflect that in pricing even when nothing about your car has changed.
Your address has not changed. Claim frequency in a postcode area still moves year to year, and insurers reprice areas independently — so a stable address can carry a different rate.
You reported 3,000 additional miles a year. More time on the road generally means more exposure, though how much weight an insurer gives it varies considerably.
No change here, and your no-claims discount still applies. This is one of the factors working in your favour — worth protecting when you compare alternatives.
A lower voluntary excess moves more of the risk to the insurer, which typically raises the premium. This is one of the few levers you control directly at renewal.
What we know
Confirmed information you supplied, or details available from reliable data.
Market context
How broader insurance pricing is moving, independently of your policy.
Potential premium drivers
Factors that may be contributing to your price, based on the above.
Premium drivers are explanations based on available information and market data. Individual insurers use their own underwriting and pricing models.
See your premium in context.
Indexed to your previous premium = 100. Shaded area shows the part of your increase not accounted for by the market benchmark. Figures are illustrative and do not represent published market statistics.
Illustrative chart. Your premium held at index 100 through the previous policy year, then rose to 141.7 at renewal. The market benchmark rose gradually to about 118 over the same period.
Cheapest doesn’t always mean best.
- Voluntary excess
- £150
- Compulsory excess
- £150
- Total excess if you claim
- £300
- Coverage level
- Comprehensive
- Key benefits
- Courtesy car. Windscreen cover. Personal belongings to £300.
- Important exclusions
- Business use not included.
Showing Provider B
| Annual premium | |||
|---|---|---|---|
| Voluntary excess | £350 | £150 | £250 |
| Compulsory excess | £250 | £150 | £150 |
| Total excess if you claim | £600 | £300 | £400 |
| Coverage level | Comprehensive | Comprehensive | Comprehensive + |
| Key benefits | Windscreen cover. EU driving, 30 days. | Courtesy car. Windscreen cover. Personal belongings to £300. | Courtesy car. Breakdown cover. Legal expenses to £100,000. |
| Important exclusions | No courtesy car. No personal belongings cover. | Business use not included. | Higher excess applies to drivers under 25. |
What this trade-off means
Option B costs £45 more per year but includes a lower excess and additional cover. If you claim once, you pay £300 less than with Provider A — and you keep a courtesy car.
Comparison tells you what.
We help explain why.
Traditional comparison
- Compare prices
- Show available providers
- Filter policies
- Redirect to purchase
insurewhy
- Explain premium changes
- Compare against your previous premium
- Benchmark against market trends
- Highlight potential premium drivers
- Explain policy differences
- Compare suitable alternatives
Comparison sites do the last step well. What insurewhy adds is the step before it — the part that explains the number you were sent, so that switching, staying or adjusting your cover is a decision rather than a guess.
Built around transparency.
- Confirmed information
- Information you provide directly, or details verified through data we can actually see. Stated as fact, because it is one.
- Market evidence
- Broader insurance pricing and market information, kept separate from your own circumstances so you can tell the two apart.
- Potential drivers
- Factors that may be influencing your premium, based on the information available. Presented as reasoning, never as certainty.
Underwriting models are proprietary, and insurewhy does not claim to know how any individual insurer prices a policy. Where something is an inference drawn from available information, it is shown as one.
Your premium is a number.
Understand the story behind it.
See what changed, understand potential reasons, and explore your options.