Lower premium with named drivers

Stringy

Stringy

Stringy

Soldato
Joined
2 Aug 2004
Posts
4,288
Location
The moon
Howdy,

What's the crack with adding people to your policy to make it cheaper? I was getting a quote for a 57 plate Civic Type-R at ~£1k, adding my mum as a named driver dropped the quote by £200. Unless I've missed a fundamental flaw in this surely I can just add her on the policy but she never drives the car?

Eh? :confused:
 
Just the way it works..

Adding my wife to my policy brings the cost down ~£200, adding me to my sister's policy on her V6 Audi TT brought the cost down by a similar amount. It's all about risk really...
 
metamorphpwner said:
just add her, she may want to drive it at some point? they don't need to know she'll never drive it
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Herein lies my confusion - surely there's no requirement for the person to ever drive it because you could have them on the policy 'just in case'. Seems random that you get such a significant saving!

Well I know what I'll be doing when I get the car then!
 
its because if theres more good riskes on the policy their system need to base a price upon you driving the car the most but not all the time, therefore making it a better risk if you drive the car 80% of the time and a 40-50 year female driver with no claims driving it 20% than just you driving the car 100% of the time
 
I first added my wife to my policy a few years back.
She is 35, however she only holds a provisional license.
She's not currently taking lessons and in all honesty isn't really that interested in driving (at the moment).

I get quite a good quote anyway (35, 18yrs NCB, No points on license, low risk postcode) but adding my wife onto the policy for my Octy vRS knocked it down a further £75.
 
i personally wouldn't question it, if you're saving money for having more drivers it's a good thing for you. Although adding someone to my existing policy makes no difference at all with me.
i've had quotes for next year that are about £1400 cheaper than this year and around £1700 cheaper if my mum and dad are added.
 
This has never worked for me :(

Last year they said to put my mum on +£30 and to add my dad +£80.

I tried it a few times before, always increases, same story if I add my sister.
 
ci_newman said:
Just the way it works..

Adding my wife to my policy brings the cost down ~£200, adding me to my sister's policy on her V6 Audi TT brought the cost down by a similar amount. It's all about risk really...
Click to expand...

Wife? :eek:

I thought you were about 20 :p

nearly added my other half to the DC2 but with Brentacre they were actually realistic so said the premium might increase. The mrs would never have driven it though, VTECS would have probably given her a stroke.
 
Am I understanding this correctly, you put yourself down as the owner of the car and the principal driver, and the simple act of adding your mum as another person allowed to drive the car drops the premium??
 
Yup adding another named driver drops it loads.

When i was first getting ensured on my Civic. it was 2k iirc. adding my mrs on (21yrs Old, held licence 3 yrs) droped it to £1300
 
I just tried adding my girlfriend on mine (24 years old, 5 years no claims, license 7 years), after reading this thread, they wanted an extra £40!

Didn't work for me :(
 
Sorry, I can't follow the logic behind this, seems to be absolutely crazy. Surely the insurance companies know this goes on? I always thought the cheif insurance scam was getting your 60 year old dad to say the car was his and put his 18 year old son on the policy. I've seen people who do this caught out and lose the lot when it turns out who actually owns the car. And now you say if you do it the other way round it is legit and cheaper?
 
Bubo said:
Sorry, I can't follow the logic behind this, seems to be absolutely crazy. Surely the insurance companies know this goes on? I always thought the cheif insurance scam was getting your 60 year old dad to say the car was his and put his 18 year old son on the policy. I've seen people who do this caught out and lose the lot when it turns out who actually owns the car. And now you say if you do it the other way round it is legit and cheaper?
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add your parents ect. and you're not lying about who owns the car so there's nothing for them to complain about. Not everyone gets it cheaper, my current policy stays the same even with my parents added, Some will get it cheaper some will pay more.
 
Bubo said:
Sorry, I can't follow the logic behind this, seems to be absolutely crazy. Surely the insurance companies know this goes on? I always thought the cheif insurance scam was getting your 60 year old dad to say the car was his and put his 18 year old son on the policy. I've seen people who do this caught out and lose the lot when it turns out who actually owns the car. And now you say if you do it the other way round it is legit and cheaper?
Click to expand...

Oh course.
I've added my wife on her provisional license.
There is only a .1% chance she'll be driving my car.
However if we were stuck in the middle of nowhere and I couldn't drive, then she in theory could get us home.
So for that reason she is a named driver.
If Admiral want to give me a doscount for adding my wife that is their decision.
I can't see why they would knock £75 off my premium for adding her - but I'm not here to question.
 
I currently have my parents added to my policy and it brought it down by about £400.

I have a question though...
Im currently in the process of buying a house with my GF. Will I still get the same discount from adding my parents even if I don't live at the same address as them anymore?

Im also dreading adding my GF to my car insurance (2 Write offs, 0 NCB :o)
 
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