Yes, you guessed it: car insurance questions :(

[Easy-X]

Sorting out my mum's car insurance again. Last year £435, this year's renewal offer from Tesco £846

It seems that's just from moving up from Cornwall as giving her old address to the Meerkats comes out around £460. But hang on! If I bought the car off her tomorrow and insured it in my name at my address (next town over, marginal difference in price between the postcodes) it's ~£270. Huh? It looks like insurers hate having old people in Surrey

Sticking myself down as a named driver knocks a bit off, adding the wife as well a bit more but oddly if I just have mum + the wife as named driver the quotes go up. Huh?!?!

Naturally, if I have the policy in my name with mum as named driver it goes back down around the £450 mark but is that even valid? Can I take out the policy in my name at mum's address (but I don't live there but would use the car occasionally) or in my name at my own address but the car's kept elsewhere, sounds well iffy, innit

Confused.com
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Husqvarna Vitpilen 401, Yamaha XSR700, Honda Rebel, Yamaha DT175, Suzuki SV650 (loan) Fazer 600, Keeway Superlight 125, 50cc turd scooter

[MCN]

Being the principal driver means the driver who uses the vehicle most often.

Being a named driver means a driver that occasionally drives the vehicle.

In the event of a claim it may be discovered that a named driver is actually the principal driver and payouts could be affected.

They don't make this option as a getaround.

They can enforce it.

The postcode thing is not funny.

I got hammered when I moved from Hull to Glasgow. My car was almost written off in Hull and I have never had a claim in Glasgow.
So their incident statistic algorithm are shyte.
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Disclaimer: The comments above may be predicted text and not necessarily the opinion of MCN.

[Easy-X]

[MCN]

There is a little bit of logic in the named driver option.

It is related to being the principal driver of several vehicles.
One can only drive one vehicle at a time.

Statistically, the person who drives the vehicle most often is most likely to be involved in a claim related to the vehicle.

It may be changed now.

The insurers didn't want open season on their policies by risky drivers using cars as their own rather than 'occasionally'.
That was the spirit of the named driver thing. Reduced premium because it was cover for occasional use.

It might be cool for mum and dad to let their son Timothy who's using pop's 2nd car for uni but it's not really cricket.
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Disclaimer: The comments above may be predicted text and not necessarily the opinion of MCN.

[Ste]

[Easy-X]

Yes, that all sounds sensible. If only the numbers made more sense people (i.e. me) wouldn't be getting any daft ideas!

What's the logic behind a named driver reducing the insurance premium? On the one hand fibbing about who's the main driver has a fair chance of getting found out but conversely how can the insurance prove a named driver hasn't driven the car at all in the year of the policy term?
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Husqvarna Vitpilen 401, Yamaha XSR700, Honda Rebel, Yamaha DT175, Suzuki SV650 (loan) Fazer 600, Keeway Superlight 125, 50cc turd scooter

[Nobby the Bastard]

A named driver is someone who can drive it on your insurance but doesn't necessarily actually have to drive it to meet the conditions of the insurance.

For info, I'm a named driver on the mighty Sandero as Mrs Bastard has a lot of no claims and she drives it the most. I have the Strumpet. I do tend to do the driving when we are all in the car though.

No.1 son was a named driver last year but isn't now because the cost went up spectatularly after he passed his test.
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trevor saxe-coburg-gotha:"Remember this simple rule - scooters are for men who like to feel the breeze on their huge, flapping cunt lips."
Sprint ST 1050

[Robby]

[Ste]

Being a named driver means you've got the same level of cover as the main driver for the eventuality that you do need to drive the car, it's not to say that you will drive the car.

Ours is not to reason why the big table of statistics says that having you as a named driver on a policy makes it cheaper.

[MCN]

Much of the insurance underwriting is based on human factors.
Statistics that are important in wagers.

Insurance is a bit of a gamble for insurance companies and theor investors.

They wager that an insured will not collect the bet they have made.

Some drivers say 'Hold my beer'.

It's a pain when insurance premiums are expensive but really when all boiled down, it's better than not being able to drive as you cannot cover your liabilities in the event you are held responsible for an incident.
3rd party claims could cost millions to insurers.

£2.4billion 2022.

Most people cannot afford to pay damages to a 3rd party so pay someone upfront to cover their financial liability.

I can imagine is was much simpler in the days before insurance companies.

One simply walked over to the aggrieved party and poked him with your sword.
Or he poked you.
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Disclaimer: The comments above may be predicted text and not necessarily the opinion of MCN.

[Polarbear]

I'm with direct line and the principle driver on all our policies. However they ask who is the main driver as well and wifie is the main driver on her hairdresser car. They seem quite happy with that.

One thing I noticed this year, all my car policies have gone up significantly after 3ish years of staying pretty much the same. Stupidly I had auto renew ticked so they took my money before I got round to meercat and co.

It is now disabled.
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Triumph Trophy Launch Edition

[Easy-X]

[Nobby the Bastard]

[Robby]

[Easy-X]

I've looked into a bit more and it seems there are three factors in play:

Age - get into your '80s and premiums start ramping up dramatically
Sex - older ladies are a greater risk, the reasoning being "oh, your husband died? Very sad. Bet you're driving a lot more now than you used to..."
Area - yes, lots of expensive cars, people and property...

https://media.tenor.com/A609Q0p77cIAAAAd/richer-than-you-poor.gif

Ah well, living in one of the nicer parts of the world will inevitable come with a price.
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Husqvarna Vitpilen 401, Yamaha XSR700, Honda Rebel, Yamaha DT175, Suzuki SV650 (loan) Fazer 600, Keeway Superlight 125, 50cc turd scooter

[Nobby the Bastard]

[Easy-X]

[Easy-X]

Had a chat with Tesco about adding some named drivers. Got the renewal down to £640, much better than the Meerkats were offering
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Husqvarna Vitpilen 401, Yamaha XSR700, Honda Rebel, Yamaha DT175, Suzuki SV650 (loan) Fazer 600, Keeway Superlight 125, 50cc turd scooter

[Nobby the Bastard]

Your paying 600 sovs for insurance?


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trevor saxe-coburg-gotha:"Remember this simple rule - scooters are for men who like to feel the breeze on their huge, flapping cunt lips."
Sprint ST 1050

[WD Forte]

Just got a renewal notice from AXA for the Galaxy and it's jumped from £320 to £430 comprehensive.
Clean license full no claims etc.
This does include breakdown and recovery though
which is £50 p/a but will do some haggling and comparing the meerket shit now.

I heard on the radio that I'm not the only one getting shafted and the average car insurance premium is now a grand! and here's me bitching about the scooty insurance which cost me £69.
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bikers smell of wee

[Easy-X]

[grr666]

My van insurance renewal has gone from £183 last year to £258 this year. Naturally they can 4 cough and I'll
shop around for cheaper. Not that I can use the bastard anymore thanks to the stupid eco wankah zone in Bristol.
Could be time to somewhat poetically pollute a river with a transit since the same zone makes it worth about £10
if I were to try and sell it round here. The council can pay to drag it out again. Eye for an eye.
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Currently enjoying products from Ford, Mazda and Yamaha
Ste wrote: Avatars are fine, it's signatures that need turning off.

[Easy-X]

Well that time of year again but this time for my own cars. Renewal came in from Tesco and basically it was a big "fuck you" on the wife's car, almost £200 added (they wanted an extra £70 for mine.)

Went with Hastings Direct instead which were one of the cheapest suggested by the Meerkats. Ended up paying about the same amount as last year but with slightly better excess.
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Husqvarna Vitpilen 401, Yamaha XSR700, Honda Rebel, Yamaha DT175, Suzuki SV650 (loan) Fazer 600, Keeway Superlight 125, 50cc turd scooter

[Fat Angry Scotsman]

My insurance almost halved from the circa £2000 it was last year to circa 1000 it was this year on the Tesla.
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PRESENT: 2018 BMW S1000XR SE Sport.
PAST: 2009 Kawasaki ER-6F. 2021 Zontes ZT-125U.

[Feasty]

Is it just me, but after several years of dealing with car insurance I realised that the voluntary amount makes very little difference to the monthly/annual cost.
So for the past few years I just put £0 voluntary excess - we get stung by the forced excess enough as it is anyway!
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Previous: Aprilia Habana Retro 50cc (beauty), Yamaha SR125 (fell apart), Honda XR125 (nippy little commuter), Honda SLR650 (Geewhizz), Yamaha Diversion 900S (Smoooooth) written off courtesy of a stupid escaped horse.
(7 year gap), BMW F650 (Relaxing ride). Aprilia Caponord ETV1000 (Big and bold). Yamaha FZS600 (got me in trouble too quick!).
Current: Yamaha TDM 900 (Comfy, light but big, power when needed).