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Car Insurance anomalies?
I have a small 1.2 automatic. 10 year old car, one claim not at fault 6 years ago.
My parter has a 1.6 automatic. 7 year old car, one claim not at fault 3 years ago,
He is in his 50s, I am in my 40s. I am female, he is male.
I do 17k miles a year, he used to do 50k miles but now does 5k miles.
Both cars registered as having us both on for personal, commuting and business use. Comprehensive insurance.
His insurance last year was £230. Mine was £330. This was when his mileage was 50k miles.
Yesterday he renewed and cut his mileage to 5k as he now gets the train in. His insurance is now £210pa.
I have renewed my insurance today and it was £290 including a discount. This was with aviva and he is with tesco so I phoned tesco and they gave a price of £310.
Why is mine 310 and his 210 when theres not really much difference between us? I fiddled round with the figures and even when I put lower mileage (just to check) it put the quote down to £306?
I have now gone with aviva as a new customer to get cash back of £73.50 from a quote of £302 as a new customer so should end up paying around £230ish.
My insurance seems to be much more expensive than his since the rules changed about women not getting better prices because of us being less risk.
My parter has a 1.6 automatic. 7 year old car, one claim not at fault 3 years ago,
He is in his 50s, I am in my 40s. I am female, he is male.
I do 17k miles a year, he used to do 50k miles but now does 5k miles.
Both cars registered as having us both on for personal, commuting and business use. Comprehensive insurance.
His insurance last year was £230. Mine was £330. This was when his mileage was 50k miles.
Yesterday he renewed and cut his mileage to 5k as he now gets the train in. His insurance is now £210pa.
I have renewed my insurance today and it was £290 including a discount. This was with aviva and he is with tesco so I phoned tesco and they gave a price of £310.
Why is mine 310 and his 210 when theres not really much difference between us? I fiddled round with the figures and even when I put lower mileage (just to check) it put the quote down to £306?
I have now gone with aviva as a new customer to get cash back of £73.50 from a quote of £302 as a new customer so should end up paying around £230ish.
My insurance seems to be much more expensive than his since the rules changed about women not getting better prices because of us being less risk.
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Comments
What other insurance companies have you tried, i'm with LV.
Just because your car has a smaller engine doesn't mean that it would be cheaper to repair.
Being over 50 might cause a slight reduction in his premium.
Do you live at the same address, one post code could have higher risk statistics than the other.
Do you both have the same excess?
Are both vehicle kept the same ie both on a driveway or both in a garage?
Do either of you have a medical condition and are both policies taking that into account?
Just a few suggestions.
All is the same apart from his car is kept on the road over night, mine is the one on the driveway, so you would expect that to be cheaper. The only difference is in the car, which I cannot imagine is a huge impact and the age, which could be a big impact.
They are both small Nissan cars, mine is a micra his is a Note. Slightly different excess but when I fiddled with the figures it made a negligible difference.
insurance is funny really, im 45 and im paying over £400 per year for a 1.8 Vectra, the insurers claimed apart from the obvious "L" postcode, that Vectras are high risk even though it is a sensible family car,
and i also hold a professional licence..if that makes any difference im not sure but my insurers are aware.
not wanting to offend you, i wouldnt say women are safer, in fact i would say some of them are lethal being honest, on their phones and driving pretty fast..
my ex was a teararse, she really was..
i think with your partner being over 50, that will bring it down..and also the Note is only a little car, probably not high risk..but neither is your Micra..
Im not offended. I am a safe driver, I dont use my phone when driving. I dont agree with hands free either so dont even use one of those. Statistically I thought women were viewed as safer drivers.
No, neither of our cars are high risk, his being slighter newer means that its worth more than mine to replace, so another reason why mine should be cheaper.
I can only put it down to the age thing then.
And an important one you have omitted, what are the occupations of the OP and their spouse?
I couldnt describe myself as any thing else, we both work for local government in roles where we provide public service.
Thinking about it, it was last year that his insurance went down substantially which is when he turned 51, I do wonder then whether it is the over 50 thing. Up until then mine was vastly cheaper than his. (same jobs, same cars, same address)
probably the fact hes over 50...
i didnt say you used your phone, i see a lot of it though on the bus being honest....:)
No, I know I was just saying. I also see a lot of people using phones, I cant believe some of them. I spend an inordinate amount of time on the motor way and people are texting and all sorts.
Also plenty of people on phones driving round roundabouts with a phone to their ear.
idiots they are, makes me really annoyed..
i use the hands free on my iphone but even then you are distracted
You will also find that some insurance companies are not on comparison websites.
Swinton do a £50 cashback for new customers (why can't they just take £50 off in the first place!!?)
If you're lucky, you could get cashback from a cashback website and then the £50 cashback from Swinton too.
I personally can't see why you're asked what job you do? Do insurance companies ever check up to see if you're telling the truth like they do when they ask you for proof of the number of years with no claims ?
Insurers aren't just concerned with the car you drive though, as what they might have to pay out in the event of an accident will largely depend on the other car involved and any injuries caused.
The fact your partner's car is newer would make it more costly to replace, but it also might be deemed to be a lower risk i.e. someone driving a newer car might drive more cautiously than someone who has an old banger.
That said, I think the main factor will be age. I used to (sort of) work for a major High St brand who offer car insurance. Their product is provided on a white label basis by another supplier, who in turn use a panel of c. 20 insurers to provide the quotes. Two big factors influencing price were age and location. Broadly speaking, if you were a 25 year-old living in a city, you would get a much higher quote for the same car than a 50 year-old living in a rural part of the country. For us, being over 40 did make a big difference to the quote, but being over 50 would produce even lower quotes.