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If you live or operate a vehicle in the North’s most famous city, you already know how treacherous the roads can be. Auto insurance in the UK is already some of the most expensive car insurance in the world, so it’s important to make sure that you don’t end up raising your premiums if you don’t have to.

In any city, it’s very important that you make sure you understand the leading insurance risks – it’s the best way to avoid running into trouble. As premiums increase because of stress on the insurance industry, you should always be on the lookout for ways to save the right amount of money. In this article, we’ll take a look at the different insurance risks that you face in the city of Manchester, and give you some quick tips on how to avoid any problems.


Being in the North of England, Manchester faces some of the harshest conditions in the country. During winter, you’ll find that snow, sleet, and ice cause serious problems for people driving on the road. You should only travel in these conditions if it’s completely necessary.

Weather is a leading cause of mechanical and auto trouble in Manchester. If you think it’s dangerous to drive, it probably is – opt for public transport as much as possible. Also, keep your eye out for travel warnings issued by the government.


Theft is also a major issue in Manchester. The city features in the top ten cities for car theft in the UK. If you want to make sure your car doesn’t get stolen, it’s best to store it in a safe place overnight. Thieves have gotten increasingly creative when it comes to stealing vehicles. They’re now able to steal cars by scanning your electronic car key and using it to create a duplicate signal – this is only an issue for those who have keyless entry.

Regardless, you need to be aware of the very real threat that car theft poses in Manchester.

Road Quality

It’s no secret that infrastructure investment is lacking in the North of the country. That’s why you need to be careful when you drive around Manchester’s roads and the surrounding areas. This is especially true when you combine the poor weather that is mentioned above. Make sure to stay weary of road signs and warnings, and stick to roads that you know well as much as possible. This will reduce the risk of car accidents or damage while you’re driving.


As you can see, there are several different reasons you should be careful when you’re travelling on the roads in Manchester. You don’t want to have to end up raising your premiums if you don’t have to. Insurance companies penalize drivers for damage – sometimes even it is isn’t their fault. If you’ve worked hard to keep your auto insurance premiums down over the past few years, don’t ruin it by making an avoidable mistake.

Also, if you want to reduce your chances of getting blamed for an accident that wasn’t your fault, consider installing a dash cam!