Car insurance and new baby

RadoJo

Whilst doing car insurance comparisons today I've discovered that saying you have a child increases your premiums. Now, technically, I don't have a child, but I am pregnant and the baby is due the day after the insurance is. Would I need to get quotes including a child, let them know once the baby is born or would a policy taken out using details which are correct at the time be valid?

atrixblue.-MFR-.

you sure it increases, usually it discounts you.

go to comparisons with a view to window shop not buy the cheapes company go to their website rerun the quots, youll probably see a difference in price noticeabley cheaper.

Gloomendoom

RadoJo wrote: »

Whilst doing car insurance comparisons today I've discovered that saying you have a child increases your premiums. Now, technically, I don't have a child, but I am pregnant and the baby is due the day after the insurance is. Would I need to get quotes including a child, let them know once the baby is born or would a policy taken out using details which are correct at the time be valid?

I'd just take it out with the child added. You may be early.

You may also get charged a fee for making a change to the policy after you take it out.

neilmcl

atrixblue.-MFR-. wrote: »

you sure it increases, usually it discounts you.

go to comparisons with a view to window shop not buy the cheapes company go to their website rerun the quots, youll probably see a difference in price noticeabley cheaper.

I would of thought it'd be reasonable that it increases premiums, purely on the distraction factor that having a child in the car increases.

Obukit

Tell them you have a child and a big roll of gaffer tape.

[/joke]

kiscix

You'll have to declare the child at some point anyway, better to do it now than have to pay later to amend the policy. And yes it will put you off, as having a child in a car with you is a bigger distraction than using your mobile whilst doing your makeup*

(* not fact, more observance from living opposite a nursery and watching mums do the 'school run' for a couple of years)

Del_Astra

neilmcl wrote: »

I would of thought it'd be reasonable that it increases premiums, purely on the distraction factor that having a child in the car increases.

It also makes many drivers slow down, when they have a new born in the car, not go flying round corners or jump lights, so it could be argued that it makes you a safer driver and less lieky to take a risk.

Obukit

Del_Astra wrote: »

It also makes many drivers slow down, when they have a new born in the car, not go flying round corners or jump lights, so it could be argued that it makes you a safer driver and less lieky to take a risk.

Statistics prove that in general faster-than-average drivers are safer drivers.

http://www.safespeed.org.uk/speedlimits.html

RadoJo

The quote which I got which helpfully explained all the questions did cite distraction as a reason for increased premiums when adding a child to your quote, which I suppose is reasonable - being extra careful when driving your bundle of joy around presumably doesn't outweigh the potential for a sudden high pitched noise or horrific smell to put you off your stride! Thanks all for your thoughts...