• Insurance Restrictions for Probationary Driving Licence: If you are under 25 years old or have less than 2 years of driving experience, you are typically considered a high-risk group. In this case, if an accident occurs and you make a claim, you may need to pay an additional excess.
• No Claim Discount Benefits: No Claim Discount (NCD/NCB) is a reward for vehicle owners who have not made claims to their insurance company for a long time. If you have never or rarely made claims, you can enjoy premium discounts of up to 40%, which will significantly reduce your insurance costs.
• Excess Options: Excess is the portion of costs you need to bear yourself when an accident occurs. Choosing a higher excess can lower your premium, but it also means you may need to pay more in the event of an accident. Therefore, you need to choose a reasonable excess based on your financial situation and risk tolerance.
• Additional Coverage Options: In addition to basic property damage coverage, many insurance companies offer various additional protection items, such as personal injury protection and auto glass damage coverage. You can choose suitable additional coverage based on your actual needs and budget to enhance the comprehensiveness and practicality of your insurance.
• Vehicle Age and Market Value: New vehicles and those with higher value typically require higher premiums because their repair and replacement costs are higher.
• Vehicle Model and Performance: Certain vehicle models or high-performance vehicles may be charged higher premiums because they are more accident-prone or have higher repair costs.
• Owner's Occupation: Some occupations may be considered high-risk due to the nature of the work, such as those requiring frequent long-distance driving or working in high-risk environments, which can lead to increased insurance premiums.

In summary, when choosing car insurance, you need to consider these factors thoroughly and make wise decisions based on your actual situation.