Adding girls to my policy drops it loads!

laissez-faire · 31 Aug 2007 at 12:47

OK, I wanted to see how much extra it would cost to add a close female friend to my car. Imagine my surprise when RAC said that if I added her to my policy they would refund over £100 of my annual premium. I then added my mother and sister-in-law too as occasional drivers and the premium dropped by another £150. My premium has now gone from £900 to about £600 (it doesn't add up because they refund on a pro-rata basis)

Interesting!

MarcLister · 31 Aug 2007 at 12:49

This is where men benefit from sleeping around.

Be intimate with lots of women, put them on your insurance and hey presto.

Adz · 31 Aug 2007 at 12:55

Additional driver 1 - Relationship to policyholder - mistress
Additional driver 2 - Relationship to policyholder - **** buddy
Additional driver 3 - Relationship to policyholder - ex-wife
Additional driver 4 - Relationship to policyholder - mother
Additional driver 5 - Relationship to policyholder - grandmother (deceased)

Et voila, £100/year insurance.

I should try it...

laissez-faire · 31 Aug 2007 at 12:56

MarcLister said:
This is where men benefit from sleeping around.

Be intimate with lots of women, put them on your insurance and hey presto.

Another thing that makes very little sense is the way that even declaring my Court Conviction for doing 100mph on the M6 (5 points, £150 fine) makes absolutely NO difference to the premium.

MarcLister · 31 Aug 2007 at 12:57

What about the time you "accidentally" drove through the front window at your local Tesco?

Jez · 31 Aug 2007 at 13:00

This is the oldest trick in the book, ive always done it since i first started driving :/

laissez-faire · 31 Aug 2007 at 13:00

MarcLister said:
What about the time you "accidentally" drove through the front window at your local Tesco?

Are you confusing me with someone else here? Never done that sir!

Nexy · 31 Aug 2007 at 13:03

laissez-faire said:
Are you confusing me with someone else here? Never done that sir!

Wait, you haven't? Why not?

MrSix · 31 Aug 2007 at 13:04

I always add my mother and grandmother on the policy...not just to lower it, but so they can pick me up when I've had a few too many bevvies

MarcLister · 31 Aug 2007 at 13:05

laissez-faire said:
Are you confusing me with someone else here? Never done that sir!

It was a joke! I was hinting that you could start making driving offences up and see how they affect your premium or not.

laissez-faire · 31 Aug 2007 at 13:05

Nexy said:
Wait, you haven't? Why not?

wtf?

laissez-faire · 31 Aug 2007 at 13:05

MarcLister said:
It was a joke! I was hinting that you could start making driving offences up and see how they affect your premium or not.

ah - I see!

MarcLister · 31 Aug 2007 at 13:06

laissez-faire said:
wtf?

Its a rite of passage doncha know.

TripleT · 31 Aug 2007 at 13:10

You didn't know this?

Obviously theres a limit as too how much they knock off.

NathanE · 31 Aug 2007 at 13:10

Jez said:
This is the oldest trick in the book, ive always done it since i first started driving :/

Quoted for truthfulness.

laissez-faire · 31 Aug 2007 at 13:13

TripleT said:
You didn't know this?

Obviously theres a limit as too how much they knock off.

It makes almost no sense. Why am I less likely to crash my car if I have a girlfriend on the policy? Have they done research that suggests that regular sex drops testosterone levels in men making them calmer behind the wheel? And if so similar discounts for adding mothers to policies become VERY worrying!

Columbo · 31 Aug 2007 at 13:15

I've always had my mum on my insurance. She has'nt driven in years but if I ever get caught speeding, well.....ahem!!

SoliD · 31 Aug 2007 at 13:17

ManCuBuS said:
I've always had my mum on my insurance. She has'nt driven in years but if I ever get caught speeding, well.....ahem!!

what about on the off chance that you actually get pulled over by a real person

Thought everyone knew adding women dropped the insurance loads, got my mum and sister on my policy.

laissez-faire · 31 Aug 2007 at 13:18

ManCuBuS said:
I've always had my mum on my insurance. She has'nt driven in years but if I ever get caught speeding, well.....ahem!!

I hear this so often. Does anyone actually think the Police check to see if the driver you accuse when you get done by a Gatso was insured to drive the car? I doubt it a lot. They just want the £60 IMHO. Plus most 'mothers' will be insured TP through own policy DWOC.

Bear · 31 Aug 2007 at 13:20

I have the missus on my insurance to lower the premium but I wont allow her to drive it