Motor claims increase for 5 year olds!

Drivers with 5 year old cars are the most likely to make a claim on their car insurance, analysis from Virgin Money Car Insurance shows. It shows 40% of claims come from owners of cars which are between 3 and 6 years old.

Nearly 10% of all mmotor claims are from drivers with 5 year old cars, with owners of 4 years old cars narrowly behind.

Grant Bather, spokesman at Virgin Money Car Insurance, said: "Drivers tend to change their car every three to five years and on this evidence they have some justification.

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 "This is not to say that cars five years old are the most dangerous, but that they are more likely to be involved in an incident that leads to a claim being made. This may be a traffic accident, breakdown or theft.

"Looking at these statistics, people looking at buying a second hand car should also make sure that they have taken the necessary action to ensure that the car meets all of the road standards."

Cars aged 10 years account for over 6% of all claims, the Virgin Money Car Insurance database shows.

But drivers with new cars less than a year old were unlikely to have to make a claim, accounting for just over 2% of all claims.

Car age - % of claims

• Five 9.61%
• Four 9.56%
• Six 9.08%
• Three 9.06%
• Seven 8.49%
• Eight 7.76%
• Two 7.57%
• Nine 6.63%
• One 6.47%
• Ten 6.15%
• Under One Year Old 2.30%

Direct Insurance offer comprehensive insurance for motor fleet vehicles and can assist in managing premiums and claims.