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The Secretary of State has made no estimate of the effect of people paying to recover and store their stolen vehicles on either individual insurance premiums or on general motor insurance costs.<\/p>
<\/p>
Motor insurers are responsible for setting the terms and conditions for the policies that they offer. They use a wide range of criteria to assess the potential risk a driver poses including the driver\u2019s age, type of vehicle being insured which includes its group rating and level of security, postal area where the applicant lives and their driving experience and claims history.<\/p>
<\/p>
Motor insurance is a very competitive market so it often pays for consumers to shop around in order to achieve lower premiums.<\/p>
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