you know? said:So, same car, same claims history (i.e. none), and of course the same risk.
The premium quoted for her is £60 less than the lowest premium I can get.
Probably related to the accident record of middle-aged men in cars with 2.3 litre engines, I
suppose, but quite why I should be less likely to crash on her policy than mine I don't fully
understand...
Because the name the policy is in is the 'main driver' (in every set of smallprint I've read). If
the main driver of teh car is designated as your wife it's reasonable to assume that she drives it
more than you, and vice versa. Hence difference in premium. Of course, that means that on alternate
years, you're relying on insurance obtained under false pretenses, and if they get wind of it,
you'll find your cover evaporating when you need it.
Another oddity - last time I tried the combinations my wife had (marginally) worse claim record than
I did. If I insured the car for me as the only driver, we got one premium. If I added her as a
second driver, the premiumm went down. I think that one must be something along the lines of if the
car is in both our names, she's less likely to drive it drunk than I am, so by both being named,
it's less likely to be driven when the driver really oughtn't be driving. (Likely in a statistical
sense - since I'm teetotal and she isn't it doesn't actually work out that way for us).
regards, Ian SMith
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