Anyone understand car insurance?

[SGHOM]

I just insured my saaaab.

To add my sister, who may drive it... full clean licence, 20 yrs driving, lives in Sheffield, added £40 to the premium ! /help

To add Maggie... full clean licence, 20 yrs driving, lives in Hemel, lowered the premium by over £100 !! Why's that??


I know the answer.......... & It wasn't the answer I was expecting ! /toycar

[Atik]

Postcode lottery again?

[SGHOM]

Nope

[chris g]

Insurance - simple to understand....

It's compulsory - your over a barrel

They demand money - avoid making payments for claims

Pay as little as possible if they do pay out, eventually

Or write off the vehicle so no hire car and then pay next to nothing as valuation

You get screwed!

Thats insurance!

Any questions?

[Spirit]

Is it age related Derek ?

[SGHOM]

Is it age related Derek ?
Both maggie and glyn are the same age . . . . So no

[Wodjno]

Because you live at seperate addresses or the location or the type of job your sister does ?

[Nick Mann]

Drivers in Hemel are used to a magic roundabout?

[chris g]

They took pity on you...

As a Carer...

[Roberto]

Because Maggie is your partner and would care about the car, but Glyn bing your sister could be more like you.

[John TheAntique]

Thats right. When I put Dee on mine my premium went down even though, as the broker said, her claims record went over the page.

[Dom B]

Adding a partner always lowers the premium they see you as a more serious settle down type of driver with potential responsibilities of kids in the near future etc rather than a boy racer batchelor. My friend works for an insurance company, he told me to just add a female friends name to my car to get about £20 off. They don't check if you are in a relationship lol.

[Nick Mann]

....they see you as a more serious settle down type of driver with potential responsibilities of kids in the near future etc rather than a boy racer batchelor....

Sorry. I know your post in it's entirety was serious, but I have met the Stupid Grey Haired Old Man!!!!

Seen him on track days with no brakes
Seen him with neons and strobes
Seen him with a bottle of NOS
Seen him in many ways, but never one that conforms to the description above!

PMSL!

[Wodjno]

Sorry. I know your post in it's entirety was serious, but I have met the Stupid Grey Haired Old Man!!!!

Seen him on track days with no brakes
Seen him with neons and strobes
Seen him with a bottle of NOS
Seen him in many ways, but never one that conforms to the description above!

PMSL!

You forgot the Fart Machine /Hmmm

[Roberto]

Ah, the fart machine.

I remember that one...

[Wodjno]

Ah, the fart machine.

I remember that one...

Nearly as Memorable as when Mo had one :D

[elnevio]

Or the duck caller attached to the dump valve...

[stuartturbo]

Its is because partner are the norm
Sister is not
I had it with the mother

My policy me and wife add mother cost about £75 on a £300 prem
however it reduced hers by putting me as and additional

Insurance said hers was reduced by adding a driver a 2 was a norm
mine increased as it was out of the norm

[johny105]

maggie works for insurance company? hence staff discount?


johny

[SGHOM]

A few correct answers there!

Yes.....It's because of being in a relationship. Swinton insurance's survey say a partner is less likely to claim against you than an outsider. daft thing is though....I see my sis a few times a week, & Maggie a few times a year! /Hmmm

[John TheAntique]

Marry your sister. QED