Car insurance

C_Ronaldo

Someone i know has started lessons and will soon be driving and he was telling me that his instructor has said he is a good driver and that he(the driving instructor) will tell the insurance company he is a good driver to then drive down the price of insurance

when i heard this i thought it was total ****, am i right in thinking its ****, ive been driving for years and ive never haerd of this,

gazza975526570

the only thing i can think of is the pass plus but just telling them is pure rubbish!

Astaroth

The insurance company shouldnt even speak to the driving instructor because of the data protection act.

The only thing I can think of is if the driving instructor has some form of arrangement with a local broker and acts as a introducer. A broker could lower the amount paid by the customer at their will (just obviously most arent too willing )

Mrs_pbradley936

Well I cannot claim any first hand knowledge of the ins and outs of insurance companies but reason and common sense says that someone is either good enough to pass their driving test or they are not. Recommendation has got nothing to do with it. Once a person has passed their test and is seeking motoring insurance they are screened for their likely risk. This screening process is devised by people called actuaries who are mathematians that specialise in insurance. You cannot join the Institute of Actuaries without at least an A Level in Mathematics and most of them will have a degree in Mathematics. I only know that because I know someone who is in training to become one. You will find that young men are the highest risk and so pay higher premiums. Statistically women aged 34 are the lowest risk.

C_Ronaldo

i dnt think hes talking crap but he may have been misinformed, when i heard it it didnt seem right to me, the instructor doesnt have anything to do with the insurance,

thanks for your replies,

didnt wanna say it was rubbish if it turned out to be true