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  3. Understanding your premium

Understanding your premium

  • Why do I pay more if my car has finance owing?
  • What is the premium breakdown you’ve sent me?
  • Why has my premium gone up even though sum insured has decreased?
  • Why has my premium gone up even though my agreed value has decreased?
  • Why have reinsurance costs increased?
  • I don’t live in a flood zone, earthquake prone or high risk area – why has my premium increased?
  • Are AA Insurance the only ones impacted by a change in reinsurance costs or is this an industry wide change?
  • I haven't made any home or contents claims in the past, why are my premiums going up?
  • I haven't made any car claims in the past, why are my premiums going up?
  • Why has my premium increased more than inflation?
  • Do you price match with competitor premiums?
  • Can I expect to see my premium increase for my policies in future?
  • Why has my car insurance premium increased?
  • Why has my home and/or contents insurance premium increased?
  • What do the different excesses listed on my policy schedule mean?
  • What does ‘period of insurance’ mean?
  • Why do you charge levies?
  • How is my total premium calculated?
  • Why is last year’s premium on my renewal notice different to what I paid?
  • Why is the direct debit amount shown on my renewal notice under 'last year's premium' different to what I'm paying, when I haven't made any changes to my policy?
  • What is a like-for-like premium? Why do you use it?
  • Why is last year’s premium on my renewal notice?
  • What is a base premium?
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