As a result of the inquiries received about the refusal of some companies to take out car insurance, I have thought about telling you in a post that insurers look at before accepting the risk. What are they looking for and how do they do it?

Who has not fallen on the world when they have told him that they did not do car insurance or that it was going to cost him a kidney?

It is frustrating, especially if the car is waiting for you to release it. Of course, it is a situation that you did not expect after years of driving. And on top of that, it happens to you with insurance that is mandatory to contract to circulate legally.

But each time insurers are more concerned about their results and look in detail who will be their client and what risk they are going to insure. So it is not surprising that, at the first chance, you find a negative as they do not like the information about you.

What insurers look at before purchasing car insurance

Just like you, before buying a car, you assess the advantages and disadvantages of each make or model, insurers do the same with their clients. Because for them it is not the same that you are a good client that you can be a whirlwind of spending.

In order to get to know their customers better and in advance, companies have provided themselves with various files in which they store the history of each one.

These are the five most important facts that insurers look at before purchasing car insurance.

1. The history of the policyholder

You sure think there is a mistake in the title. We are talking about insuring a vehicle, the logical thing is that they are interested in the history of the driver and not the policyholder.

No, there is no mistake.

In-car policies, three different people can be given: the driver, the owner of the vehicle, and the policyholder. Usually, these last two coincide in the same person. But the driver can vary, and if the companies focused their attention on him, he would surely have an immaculate record.

They focus their attention on the policyholder because he is the one who is interested in taking out the insurance because he is the one who assumes the payment of the premium and therefore if he wants to enjoy good conditions, he will ensure that he has a good record.

If the holder of the policy you want to enjoy good conditions in insurance, ensure having a good driving record.

A simple query to SINCO about your history as a policyholder is enough to know if you pass the first filter.

2. Driving experience saves you money

The information about the driver also does not escape the analysis of the data that insurers look at. If you are going to be the driver of the vehicle, having a fresh driving license is inconvenient.

If you are new, the normal thing is that they establish a price for the insurance much higher than if you are an experienced driver. But also if you have not reached 25 years of age, they will most likely reject the purchasing.

Each insurer has its own rules, although almost all agree to reject the new driver unless it is linked to a good client.

3. If you are a good payer, you will avoid going to the CCS

There are many insurers that check if you have left debts out there. They look to see if they are included in a file of defaulters before accepting the insurance contract.

But the truth is that this type of consultation is becoming more and more frequent, even if you intend to contract through an insurance agent or broker.

If this happens to you, the answer is in this article: Where can I insure the car when no insurer wants me.

4. Expensive and powerful cars don’t like insurance

So far what insurers look at in the personal circumstances of the policyholder or driver of the insurance. But there are others that are linked to the vehicle that provides data on the level of risk that it intends to insure. I’m going to talk to you only about two of them that for different reasons will determine the acceptance of the insurance,

4.1 Luxury cars throw the balance sheet

More and more insurers look down on high-end cars. The reason is none other than the high cost of repairing the claims where they are involved.

You probably think that the premiums they pay are higher than those of a utility vehicle. True, but even so many insurers are not compensated.

And the reason is none other than the current claims processing system where the company that is creditor has to attend to the damages of its client.

Currently, practically all automobile insurers adhere to the Claims Compensation Information Agreement.

I give you an example, while the replacement of a headlight in a Citroen C3 does not reach 600 dollars, in an Audi Q7 it can exceed 1,000 dollars. In both cases, the creditor insurer will receive 882 dollars from the debtor, the amount established in the agreement as to compensation. While one earns money, the other loses it. Hence, they are increasingly reluctant to buy luxury cars.

The way to maintain balance in the accounts of the insurer sometimes happens by closing the high-end vehicle market.

4.2 A lot of power and little weight a difficult relationship in insurance

The power and weight of the vehicle are two characteristics that by themselves do not represent a greater risk for insurance.

My car is a 150 hp Altea, which for many insurers is just a family vehicle. The Seat León, with the same engine, for many companies is an aggravated risk, and if it is associated with a young driver, an excluded risk.

As you can see, not only power influences, also weight. And above all the potential risk that the profile of the associated driver poses for the insurer.

5. The usual address of the garage

We are living in an era of big data where information is analyzed to the last bit.

Why am I telling you this?

Because for insurers it is not the same for the car to circulate and sleep in a marginal area as it is to do so in a residential and guarded place.

For this reason, while a few years ago the province was the reference, now, they descend in their analysis to the postal district. In this way, they try to protect themselves against possible fraud, which is more frequent in economically depressed areas or neighborhoods.


Although car insurance is mandatory, insurers do not always do their part. If the data on the policyholder does not match the customer model they are looking for or the risk posed by the vehicle does not convince them, they may refuse to take out the insurance.

I have told you 5 of the things that insurers look at and how they do it. As if you have no history as a policyholder or figures in a file of defaulters, a frequent fact with the crisis, you can be denied the purchasing of insurance.

Nor are those who buy high-end or sports vehicles free from being rejected. Or tuning enthusiasts who make a fortune customizing the car.

And you know, it depends on where you have the address to insure the car or you have to pay a heavy surcharge for it.

Your turn, tell me.

Have they ever given you pumpkins when you want to take out car insurance? How did you solve it?
I would love to read your comment.


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