Admiral car insurance

WaxiesDargle

Hi

the other night myself and my 20 year old daughter applied for insurance on-line with admiral for my daughters first car, a 2005 corsa 1.2

we thought we did all the necessary form filling and was quoted £805 which I thought was very good if you compare it to lads of the same age!

Anyhow, I printed off the policy document and I noticed it said that this did not cover driving from home to work, which we was sure we filled in, but obviously couldn't have.

So I phoned admiral to say that my daughter has to drive to work and they said that it wasn't a problem, however it was another £43

Anyone know the reason for this increase? After all driving is driving no matter where you go. We put on the form that she would drive up to 10,000 miles a year. The Admiral advisor didn't know the answer

cheers

Faith177

Might be because she will be using the roads at peak times (rush hour) which might increase her chance of an accident? I'm only guessing but this would seem a possible reason to me.

*I amended this as my original comment was not worded correctly!*

mildred1978

Faith177 wrote: »

Might be due to the fact she will be using the roads at peak times (rush hour) which is when most accidents occur

That's one hell of an assumption!!

Who is down as the main driver, OP?

WaxiesDargle

My daughter is the main driver and her mother a named driver...it was cheaper to put her mother on as well.

mikey72

I always though it was late night, according to all the "insure the box" companies that put a curfew on after 11pm or so.

mildred1978

WaxiesDargle wrote: »

My daughter is the main driver and her mother a named driver...it was cheaper to put her mother on as well.

It would be.

What does daughter do for a living?

Hairymonster

£848 is still exceptionally cheap for a 20 year old female. I have been driving over a year, 30 year old male and mine is £1300

JimmyTheWig

WaxiesDargle wrote: »

Anyone know the reason for this increase?

Was this a change to the quote? I.e. did you make the change before you bought the policy?
Or was it a change to the policy? I.e. you made the change after you bought the policy.
If it was a change to the policy then they would have charged you an admin fee.

After all driving is driving no matter where you go.

They will have lots of detailed statistics about when accidents happen (and how much they cost). They probably have evidence that people driving to and from work are slightly more risky than people who don't drive to and from work.
As to why that is, I don't know. Could be that you are thinking about work at the time. Could be that you are tired/stressed at the time. Could be that you have little choice about when to make the journey - e.g. you may choose not to drive to the shops in a thunderstorm (i.e. more hazardous driving conditions) but would still drive to work at that time.

We put on the form that she would drive up to 10,000 miles a year.

I've noticed that this doesn't seem to make much difference. And I really don't know why.
All I can think is that it isn't something that is particularly enforcable. You don't have to give them your mileage when you take out the policy. So they're not going to know if you've exceeded what you've stated. Whereas if you've said you won't use the car to go to work and you have an accident on the way to work they've got you.

mikey72

I don't understand insurance pricing. My daughter, (19, 1 year ncd, driving for two) is £320 for her own policy, and £500 to include her as a named driver on my wife's car. If they can do these prices, why are others being treated so much worse? (The £320 is actually in a city centre, it's dearer rural for her) https://forums.moneysavingexpert.com/discussion/3971525

liam8282

Which class of use

For you to be properly insured, you have to be honest when you're describing which class or type of use you need, when you're getting your car insurance quote.
Social, Domestic and Pleasure usually has the cheapest premiums, which increase as you go further up the scale to Commercial. But if you're really using your car for a purpose that's classed as Commercial, don't be tempted to try and get away with Social, Domestic and Pleasure - in the eyes of the law it will be uninsured, and there are severe penalties for driving without insurance (as we describe in Why you need car insurance).

Social, Domestic and Pleasure
This covers the drivers named on the policy for normal day to day driving - shopping, visiting friends or family and pleasure driving such as going to the park or on holiday. However, it doesn't include commuting to work.

Commuting
Commuting is the next class up, and covers everything included in Social, Domestic and Pleasure, plus driving to and from a permanent place of work. Driving your car to the train station and leaving it there while you go to work counts as commuting. So does giving someone a lift to their place of work; it's best to check when you get your quote.

http://www.admiral.com/car-insurance/motoring-advice/car-insurance-buyers-guide/which-class-of-use.php

mildred1978

mikey72 wrote: »

I don't understand insurance pricing. My daughter, (19, 1 year ncd, driving for two) is £320 for her own policy, and £500 to include her as a named driver on my wife's car. If they can do these prices, why are others being treated so much worse? (The £320 is actually in a city centre, it's dearer rural for her) https://forums.moneysavingexpert.com/discussion/3971525

Lots of variables you've forgotten to consider. Your daughter has a classic car = easier to fix/less likely to make a claim than modern cars. The city concerned will make a difference - Birmingham and Manchester are the worst postcodes for car insurance. Your daughter may well be in Cambridge or York where the perceived risk is (probably) less.