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Volvo S40 Insurance

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Volvo S40 Car Insurance

A traditional family car, the Volvo S40 is ideal for school runs, general day-to-day activity and weekend fun. But before you prepare to head off on an adventure with your family, it’s important to ensure you have the right Volvo S40 insurance in place.

At Quotezone.co.uk, we can help you to compare insurance quotes from some of the UK’s top car insurance companies – in fact, you’ll be able to compare quotes from over 110 insurance providers with one short form.

Choose from third-party only to fully-comprehensive cover, as well as comparing add-ons like personal accident cover, windscreen cover or legal cover.

Is it expensive to insure a Volvo S40?

Cars are placed into 1 of 50 insurance groups, with group 1 the cheapest to insure and group 50 the most expensive. The Volvo S40 insurance group falls between groups 15 and 34, depending on the particular S40’s engine size, meaning insurance rates can vary quite a bit for these cars.

A wide range of other factors will also affect the cost of your Volvo insurance, from your age to your location to your claims history, so it’s difficult to say whether your own policy will be expensive without comparing real quotes. 

What level of insurance cover do I need for my Volvo S40?

The UK government requires that all drivers in the UK must have third party insurance as a minimum. This covers other people, their vehicles and property, but won’t cover damage to your own Volvo.

There’s also TPFT (third party, fire and theft insurance), which includes third party cover but will also cover you if your car is stolen or fire damaged.

However, the best option for most drivers is fully comprehensive cover, which is the highest level of insurance cover you can, and the one we’d recommend if you’re able to find a premium that meets your budget.

Other than my Volvo S40 insurance group, what other things will affect the cost of my S40 insurance?

Insurance providers will take numerous risk factors into account when they’re calculating your premium, including your post code, your age, your job title, how long you’ve held your licence, your claims history and the size of your no claims bonus.

What policy add-ons are available when I’m insuring a Volvo S40?

When you’re insuring a Volvo S40, there’s an option to add on additional coverage options like windscreen cover, legal cover, lost key cover or personal injury cover. You can also get breakdown cover which includes roadside repair and recovery.

If I’m a younger driver will my age affect the cost of my S40 insurance?

Yes, usually the younger the driver the more expensive the insurance. This is because both insurance claims data and motoring conviction data indicates that younger drivers are riskier drivers. From the age of 25 premiums should begin to fall for most drivers though – provided they haven’t received a drink driving conviction, speeding conviction or some other type of motoring conviction, of course.

Drivers between the ages of 40 and 50 typically benefit from some of the cheapest rates of insurance.

*51% of consumers could save £504.25 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next five cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from September 2023 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.