Why is my car insurance higher?

lisa701

Its car insurance renewal time and once again I don't understand why mine costs so much more than what he pays. Maybe someone here can tell me why.

Me
Female, 39 yrs old
Driving since 17 yrs old
56 plate Corsa 1.2
Clean licence
No claims

Hubby
Male, 44 yrs old
Driving since 17 yrs old
52 plate Astra 1.8
3 points (SP30)
No claims, but did have no fault accident in 2007 when third party drove into his car in a queue. No claim made. Third party paid for repairs directly.

We are both included on each other's policy as named drivers

So why every year do I end up paying £200 more? Even quotes from the same company he is insured with come out £200 more than his.

I can understand that being older than me he may pay a bit less, but with points on his licence and a higher powered car you would think the difference would be a lot less than the £200+ I'm getting quoted.

tberry6686

could be down to the car type. Corsa's are quite popular with boy racers, Astra's - not so much. There will be more claims for Corsa's giving them a higher risk profile to the insurers.

Prothet_of_Doom

lisa701 wrote: »

Its car insurance renewal time and once again I don't understand why mine costs so much more than what he pays. Maybe someone here can tell me why.

Me
Female, 39 yrs old
Driving since 17 yrs old
56 plate Corsa 1.2
Clean licence
No claims

Hubby
Male, 44 yrs old
Driving since 17 yrs old
52 plate Astra 1.8
3 points (SP30)
No claims, but did have no fault accident in 2007 when third party drove into his car in a queue. No claim made. Third party paid for repairs directly.

We are both included on each other's policy as named drivers

So why every year do I end up paying £200 more? Even quotes from the same company he is insured with come out £200 more than his.

I can understand that being older than me he may pay a bit less, but with points on his licence and a higher powered car you would think the difference would be a lot less than the £200+ I'm getting quoted.

There might be a statistical explanation

1) With points he's statistically likely to be more careful now. Maybe people with 3 points have less accidents because they are less complacent
2) 1.2 Corsa? The Car of choice for young people who erm CRASH them. So the car might have less power is in a lower group, but is involved in more claims. Astra's are owned by Mr and Mrs average who NEVER crash.
3) You don't mention jobs or miles travelled. This might have an big impact.

Or more likely the random number generator at direct aviva got confused, at comparing the go compare and had you down as Gullible.

To find out more swap the cars on the quotes. What would the astra cost if you were the main driver? and versa vice.


then see what happens if you take off the named drivers.

Then phone up your husband's insurer, and ask them to quote for your car, and "demand" they do it for £100 cheaper than his.

Mat_Lock

Try Chris Knott insurance brokers. Although they are brokers for performance and modded vehicles I got a quote £170 cheaper than my nearest quote and it covered a heck of a lot more.

InsideInsurance

You dont say how much NCD you both have? Presumably you live at the same address, both park the car in the garage?

Age will make a small difference, a corsa could well be rated higher than an astra because of their attraction to boy racers

lisa701

Thanks for the replies. Few extra bits of info

Both of our mileages are similar
Both live at same address and park on the same driveway
I'm an office administrator he is a joiner.
Both policies say 8+ yrs NCD

I do have to laugh at the thought of the local boy racers being attracted to my car - its got 5 doors, faded paintwork and only "thinks" about moving when you put your foot on the gas. Local lads have much nicer & faster cars than my poor little Corsa! But I know what you mean.

When I looked into this last year I found his astra is in a much higher insurance group than my car, which seems a bit strange if my car is more risky?

Mat_Lock

Nobody will ever understand the mysteries of car insurance quotes !!

lisa701

He had an astra before this one, and when he sold it he took my previous corsa. His insurance went down, whereas I would have thought it would have increased if the theory that a corsa is a boy racer car is right.

Going to get a quote for me to insure his car and see what I get. I'd be quite happy to wizz down the motorway each day in a 1.8 Astra - at least when I go to overtake it would actually overtake!!

lisa701

Mat_Lock wrote: »

Nobody will ever understand the mysteries of car insurance quotes !!

Think you have hit the nail on the head there!!

Prothet_of_Doom

lisa701 wrote: »

When I looked into this last year I found his astra is in a much higher insurance group than my car, which seems a bit strange if my car is more risky?

Insurance group is only part of the story. 1.2 corsa appeals to YOUNG people who crash. Take a 1.4 Honda Jazz, which has more power, is a higher group, but is never owned by anyone under 50. I guarantee, the insurance will be lower, because statistically they NEVER crash.

Lime2014

OP, one of the reasons your premium is higher than last year (and the years before), is because the companies have been paying out too much to others.

In order to balance their books and make a profit, they have to charge you and others a pretty hefty premium.

Also the area you live in might have statistically changed in the negative.. i.e. more car crimes reported etc...