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| Premium Factor | Possible Impact |
| Age and gender of Named Driver(s) | The age and gender of Named Driver(s) may affect the Premium. |
| Discounts | You may qualify for one or more of the discounts offered by us. |
| Driving history of Named Driver(s) | Driver(s) with different levels of experience and claims may attract different Premiums or Excesses. |
| Amount of Basic Excess selected | Your Premium may be affected by the amount of Basic Excess selected. |
| Whether your Vehicle is subject to finance | Your Premium may be affected if you have taken out a loan for your Vehicle. |
| Garaging address of your Vehicle | If your Vehicle is stored in a high-risk area, it may affect your Premium. |
| Annual kilometres for your Vehicle | The annual distance you drive your Vehicle may affect your Premium. |
| Type of vehicle and its Accessories/Modifications | Average repair costs for vehicles and Accessories and Modifications my affect your Premium. |
| Use of your Vehicle | Using your Vehicle for Business Use may affect your Premium. |
| Sum Insured | A higher Sum Insured will normally attract a higher Premium. |
| Storage type of your Vehicle | Where your Vehicle is stored may affect your Premium. |
| Frequency of use for your Vehicle | How frequently you use your Vehicle may affect your Premium. |