Which of the following is NOT one of the six drive factors that affect insurance premiums?

The driving factors that affect insurance premiums are critical components used by insurers to assess risk and determine pricing. Among these, driving history is a significant factor as it reflects a driver's experience and behavior behind the wheel. A clean driving record typically leads to lower premiums because it indicates a lower likelihood of future accidents or claims.

Other named drivers also play a role, as these individuals may share responsibility for any incidents that occur while driving the insured vehicle. Insurers take into account the driving histories of all listed drivers when calculating premiums.

The principle driver, meaning the person who drives the vehicle most often, is another essential factor. Insurers assess the risk based on the primary individual's driving habits and history since they contribute more significantly to the overall risk associated with that vehicle.

While previous insurance claims are indeed relevant to determining premiums, the question specifically asks for a factor that is NOT one of the six primary drive factors. Although previous claims history influences premium calculations, it is not classified among the core drivers typically considered in underwriting. Thus, the correct answer identifies a non-factor within that context.