Car Insurance In Bradford

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Bradford’s crowded streets and busy roads are just one reason why insurance premiums in Bradford are some of the highest in the UK. The West Yorkshire city ranks as the 7th most highly populated English district with a population of just over 500,000. It is known for its architecture and industrial history, rising to prominence during the 19th century as an international centre for textile manufacturing. The natural beauty of Bradford draws motorists from all over the UK, and the city is located just 8.9 miles from Leeds, which means that it is easily accessible via the M62 and M606 motorway networks.

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There are a multitude of factors that insurance providers use to calculate a premium. It can be invaluable to understand what they are. Below, we look at three of them.

Factors Affecting Bradford Car Insurance Premiums


Previous damage, accidents and claims in your local postcodes can increase the cost of your policy. High-crime neighbourhoods or postcodes that suggest a driver is more likely to make an at-fault claim are factors that providers use to calculate premiums. Although the way insurance providers use these factors is out of the policy holder’s control, you should always provide the correct address. Providing an incorrect address can invalidate your policy.


In the UK, drivers can begin lessons or even take their test when they turn 17, and the popularity of lease cars means that more and more young drivers are driving fast and powerful vehicles on the road each year. Most insurance companies conclude that drivers under 25 are at higher risk due to their lack of experience. Many will pay an excessive amount during their first and second year behind the wheel.

Voluntary Excess

There are two types of excess when it comes to car insurance. Compulsory is a fixed amount which you must pay and voluntary is a figure that you can decide upon yourself. Effectively, your voluntary excess is almost like making a bet with yourself on how likely you are to get into an accident as the higher you go, the more you trust in your driving ability. Plus, insurance companies tend to favour policies with a high voluntary excess which may lower your premium. Just be aware that insurance companies expect you to pay both the compulsory and voluntary excess when filing a claim. This may be more than the cost of repairing your vehicle!

Author Image - Michael Foote

Written By Michael Foote, Insurance and Finance Expert

Michael Foote is the founder of Quote Goat and has over 13 years experience working in the finance, insurance and currency sectors. Since launching Quote Goat he has appeared on TV as well as many of the largest online publications including Forbes, The Telegraph and The Metro. Prior to Quote Goat, he worked in finance in the city for a number of firms including HSBC.