Mercedes-Benz insurance

Insurers use a variety of factors to determine insurance costs, including:

Your age: Younger drivers are seen as higher risk by insurers. This is because older drivers are seen as having more experience on the roads and are statistically less likely to be involved in an accident

Where you live: Your insurance is likely to cost more if you live in a built-up area with a higher vehicle theft rate than if you live in a rural area with less risk.

Your occupation: Jobs where you spend a lot of time on the road are considered higher risk with insurers. They'll also consider the types of people you work with and where your car is kept during work hours.

Your car: All cars are ranked in insurance groups from 1 to 50, with 1 being the cheapest to insure and 50 being the most expensive. Mercedes-Benz insurance groups range from 9 to 45. Models in group 45 are likely to be more powerful and expensive and will cost more to insure.

Your driving history: if you have any previous claims or driving convictions this will impact how much you pay.

There are 3 levels of car insurance you can choose from:

• Third-party is the lowest level of insurance required to legally drive on UK roads. It covers you if you damage someone else's car or injure them while driving. Any passengers in your car will be covered too. However theft, damage or repairs needed for your Mercedes-Benz following an accident won't be covered.
• Third-party, fire and theft includes everything covered with third-party insurance, as well as cover if your Mercedes-Benz is stolen or damaged by fire.
• Comprehensive insurance is the highest level of cover available and includes everything third-party, fire and theft does as well as covering your own car. You'll also be covered for any injuries you sustain if you're in an accident. Often comprehensive insurance is the cheaper option, even though it gives you the most cover.