Car insurance top tip!

technik90 · 23-05-16, 06:57 PM

Just looking around at a few quotes as car insurance is due. Cheapest around £350, but add my dad as a named driver (he has only driven it once but that doesn't matter) with me still as the main driver the quote comes down to £180!!

john johnson · 23-05-16, 07:02 PM

I had some thing similar with the wife , she's teaches aerobics and step at night ( she's a high civ servant during the day ) and I bought her a cheap transit connect as a runabout for her stuff but said she must insure it . Zero no claims and it was about £200 but putting me on it dropped it to £150 oddly

Daveymaclad · 23-05-16, 09:30 PM

Quote:

Originally Posted by technik90

Just looking around at a few quotes as car insurance is due. Cheapest around £350, but add my dad as a named driver (he has only driven it once but that doesn't matter) with me still as the main driver the quote comes down to £180!!

I thought this was common knowledge?

My dad is always added to my policy, doesn't knock much off these days as it's fairly cheap anyway but still takes £35ish off the quote.

I can tell you why the quote comes down by doing that but then I'll be in actuarial talk and you'll all fall asleep!

David Small · 23-05-16, 09:42 PM

Quote:

Originally Posted by john johnson

I had some thing similar with the wife , she's teaches aerobics and step at night ( she's a high civ servant during the day ) and I bought her a cheap transit connect as a runabout for her stuff but said she must insure it . Zero no claims and it was about £200 but putting me on it dropped it to £150 oddly

Putting a middle aged, greying, spectacle wearing sensible estate car driver on their policy would bring anyone's insurance down

Daveymaclad · 23-05-16, 09:44 PM

Quote:

Originally Posted by davallew

Putting a middle aged, greying, spectacle wearing sensible estate car driver on their policy would bring anyone's insurance down

Doesn't have to be old fogey.

When I added my wife to my insurance just after she got her licence at 29 it dropped also, despite only having a licence for a couple of months and insuring her on a 300bhp car!!

It's the diversification of risk that's reflected in the lower premiums.

john johnson · 23-05-16, 09:58 PM

Quote:

Originally Posted by davallew

Putting a middle aged, greying, spectacle wearing sensible estate car driver on their policy would bring anyone's insurance down

I'm going to have to say

technik90 · 24-05-16, 05:20 AM

Quote:

Originally Posted by Daveymaclad

I thought this was common knowledge?

Think it might be, but was shocked how much it came down, expected a few quid but not nearly 50%. Wondering if there is a glitch in the system, have saved the quote so now it's valid for 30 days.

slacky · 24-05-16, 05:58 AM

Turning it on its head a little , mother in law got her renewal which had jumped up a lot probably as she's getting older ? , so I suggested adding my other half (her daughter)& me on , which brought the premium down , mind you it was the m.i.l

(Just for the record the m.i.l is older than me )

moonwatcher · 24-05-16, 06:47 AM

Quote:

Originally Posted by davallew

Putting a middle aged, greying, spectacle wearing sensible estate car driver on their policy would bring anyone's insurance down

What do I do??
I am a middle aged, greying, spectacle wearing sensible driver

Slight exaggeration I'm not greying, I'm passed that stage, I'm white

Minty · 24-05-16, 07:07 AM

When my son first passed his test at 17 3 years ago the combination of him owning the car & his mum being named was best. If I was added it went up by...wait for it... 3 grand!

This was on an old Mk4 1.4 Golf so I was clearly not old/grey/doddery enough

23-05-16, 07:02 PM	#2
john johnson Moderator of sausages Classic Audi Club Member Join Date: Sep 2008 Location: sheffield Posts: 13,331	I had some thing similar with the wife , she's teaches aerobics and step at night ( she's a high civ servant during the day ) and I bought her a cheap transit connect as a runabout for her stuff but said she must insure it . Zero no claims and it was about £200 but putting me on it dropped it to £150 oddly __________________ Mr OCD http://s159.photobucket.com/albums/t144/jsquatts/ Daily rs4 b7 with buckets that play havoc with my piles And if you are reading this as James may would say ' you're a cock '

24-05-16, 05:58 AM	#8
slacky 4 ring whore! Classic Audi Club Member Join Date: Nov 2007 Location: wirral Posts: 4,452	Turning it on its head a little , mother in law got her renewal which had jumped up a lot probably as she's getting older ? , so I suggested adding my other half (her daughter)& me on , which brought the premium down , mind you it was the m.i.l (Just for the record the m.i.l is older than me ) __________________ *90q-Cab.2.3E-Ur-S6-b2-80 Sport* Member 111 Last edited by slacky; 24-05-16 at 06:01 AM.

24-05-16, 07:07 AM	#10
Minty Senior Member Classic Audi Club Member Join Date: Jul 2008 Location: Wirral Posts: 1,528	When my son first passed his test at 17 3 years ago the combination of him owning the car & his mum being named was best. If I was added it went up by...wait for it... 3 grand! This was on an old Mk4 1.4 Golf so I was clearly not old/grey/doddery enough __________________ 1984 GT5E Topaz Green 1982 GT5S Helios Blue - now in Ireland 1983 GT5E Topaz Green - donor 1986 GT 2.0 Tornado Red - long gone 2001 A6 2.4 V6 - exported to Ireland Last edited by Minty; 24-05-16 at 07:09 AM.