Car Insurance Discrimination

worried_jim

I have my female best friend on my policy on the off chance that when we go out I might have a drink so she can drive me home. I have done this for three years and as she is of similar age with a clean licence, car of her own and a registered nurse it brings my cost down. She hasn't driven my car once. I got the tip for this from Martin Lewis.

spike7451

DCFC79 wrote: »

Lol whats next, yesterday it was a scam run by sainsburys regarding the basics bread and now this lol

I'll 'ave you know that the ducks in Ward Park are quite partial to a bit of Basics Bread....:p

almillar

This is kindof what insurers do - they discriminate against all sorts of people - young males, people with fast cars, older people, people with dodgy postcodes - they base them on statistics, and whilst OP might think that a couple with kids will have an argument and crash, for whatever reason, the stats show that you were a higher risk than your GF, so with her on the insurance, that was less driving for you.
Do not commit insurance fraud, but play the system. Make sure you tell them as low a mileage as possible, experiment with adding other people on (family members, anyone you think could possibly drive the car, might bring premium down).

Hammyman

watkins247 wrote: »

For the last 2 years my partner has been a named driver on my car insurance, during that time she drove it once for a total of 10 miles, decided it was too powerful and was scared to drive it again. We broke up a few months ago so thought no point being on the policy this year. Immediate effect of £80 increase in premium.
Why when she never drove it?
.

How were they supposed to know she never drove it? Are they psychic?

kriss_boy

watkins247 wrote: »

It did go up £20 a year as I expected it too.

You clearly need to look up the definition of discrimination, because that's exactly what it is. Admitted only minor compared to a lot of other issues.

Dont be ridiculous. If insurers werent allowed to use statistical evidence which is based on generalisations for want of a better word, then how do you propose they calculate the risk of each driver?

They'd have to sit in the passenger seat with you for a few months before making judgement which Im sure you'll agree isnt feasible!!!!

Insurance can only be based on broad stereotypes. Welcome to the real world.