Any insurance tips?

Diagro · 16 Sep 2015 at 14:31

rapid64k said:
Is that correct?

By adding a female driver to your quote may lower your quote?

Yup.

I added my wife and it dropped by £200

Burned_Alive · 16 Sep 2015 at 14:54

Even adding my wife with a recent recorded accident brought my insurance down.

dacads · 16 Sep 2015 at 15:22

MooMoo444 said:
So your wife is a 20 year old japanese import?

It was high quality at the time.

Skillmister · 16 Sep 2015 at 18:11

After doing 100s of quotes over the last few weeks the main things have been:- Adding mum to policy, adding gf to policy, parking on street, cohabiting with gf rather than single. All lowered it considerably.

Buffman · 16 Sep 2015 at 21:46

Is it OK to have a car registered at one address (Glasgow), and insured at a different address (Cambridge). It will be insured at the address it will mainly be sitting at.

Also is it OK for my Parents are secondary drivers even if they live far away (Glasgow - cambridge)? My parents seem worried about it being "fronting" but I believe it's OK as I'm the main user and going to be insured as the primary driver (with them occasionally driving)

Thanks all!

PurplePhoenix · 16 Sep 2015 at 21:59

The Craig said:
Is it OK to have a car registered at one address (Glasgow), and insured at a different address (Cambridge). It will be insured at the address it will mainly be sitting at.

Also is it OK for my Parents are secondary drivers even if they live far away (Glasgow - cambridge)? My parents seem worried about it being "fronting" but I believe it's OK as I'm the main user and going to be insured as the primary driver (with them occasionally driving)

Thanks all!

As long as the main driver is the policy holder it will not matter. My Dad is on my insurance but works away for half of the year.

A little trick only add one extra person, might save another £20!

Craig321 · 16 Sep 2015 at 22:04

Don't overvalue your car either. Bringing it down a couple of hundred £ can reduce it quite significantly.

Buffman · 17 Sep 2015 at 19:44

Craig321 said:
Don't overvalue your car either. Bringing it down a couple of hundred £ can reduce it quite significantly.

I learnt this last night thank you! I worked out how much it's worth in auto trader roughly and managed to save 40 odd quid as it was overvalued on compare market.

Haggisman · 17 Sep 2015 at 20:09

Craig321 said:
Don't overvalue your car either. Bringing it down a couple of hundred £ can reduce it quite significantly.

But not too much! If the value is too low it can increase it!

Nasher · 17 Sep 2015 at 20:11

Adding mum (retired) or another female driver used to work on the "normal" insurers. But since using more specialist insurers (performance, modified cars etc) it didn't really make a difference and it was much cheaper anyway so I stopped bothering.

Occupation creativity is the easiest one. Are you a doctor of IT or engineering? Well then your a "doctor"

Or maybe register a LTD company (only costs about £20) then your a managing director

Haggisman · 17 Sep 2015 at 20:28

Having seen how our MD drives, I can't see that helping!!

Quartz · 17 Sep 2015 at 23:46

Something that worked for me - granted it was nearly 30 years ago - was to approach the insurer of the car on which I'd been a named driver when I was learning. I contacted them and pointed out that I'd been on their books for however long it was (over a year) and had not had an incident, and they gave me a huge discount.

JRT · 18 Sep 2015 at 16:39

Tell them you have had a company car for the last 4 years, they may ask for it in writing so grab some copy note headed paper out of the printer, they will give you 60% off!