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Why will my insurer not cover my new car?
I've just bought a Ford Focus ST-Line X 2020, and when I tried to insure it with my current car insurers, they just replied we don't insure that type of car with no explanations, so we went else where. But why do some insurers not insure this type of car, when I thought that it was only cars that were too expensive to fix, or stolen too much that were the common reason for refusing, but I wouldn't have thought that this car comes under those criteria, or does it?
Asked on 18 May 2023 by Ian
Answered by
David Ross
Insurers use a wide variety of data to calculate premiums, but this data can vary between insurance companies, as well as the criteria they use to determine the risk profile of a vehicle and the party being insured.
We would not expect this generation of Focus to attract a higher degree of risk than equivalent hatchbacks, but it may be that for this particular insurer this vehicle is high risk. This could be because of repair costs, likelihood of theft or frequency of claims that it attracts. The fact that the Focus is a very popular car may count against it - the more of one type of vehicle that is on the road, statistically the more likely it is to be involved in a claim.
We would not expect this generation of Focus to attract a higher degree of risk than equivalent hatchbacks, but it may be that for this particular insurer this vehicle is high risk. This could be because of repair costs, likelihood of theft or frequency of claims that it attracts. The fact that the Focus is a very popular car may count against it - the more of one type of vehicle that is on the road, statistically the more likely it is to be involved in a claim.
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