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Disproportionally high insurance - Can you check your file?
misssarahleigh
Posts: 2,852 Forumite
in Motoring
I've heard it mentioned that insurance companies hold a 'file' so to speak. Is this accurate?
I'm due my renewal and recalled my partner was close to his after mine so completed quotes for both cars.
We are very similar in details (address, age, licence and even car) however his insurance was coming out much higher than mine. This shouldn't be the case as I have a fault claim against me from last year, so if anything I should be higher.
I began to tweak at the quotes to the point the only real differance was the car (he has an 06 1.2 Punto, me a 03 1L corsa).
So, I changed his details to owning my car, his quote was over £100 more than myself, despite me having a claim and less no claims.
I know there is always a little difference, but I'm at a loss as to explain why his is consistently higher based on the details which is making me consider is there is some sort of 'marker' on him.
Is there a way I can find out? Or if you have any suggestions for the high differential, based on details I should be paying more than him, not the other way round
Shouldn't be complaining lol :j
I'm due my renewal and recalled my partner was close to his after mine so completed quotes for both cars.
We are very similar in details (address, age, licence and even car) however his insurance was coming out much higher than mine. This shouldn't be the case as I have a fault claim against me from last year, so if anything I should be higher.
I began to tweak at the quotes to the point the only real differance was the car (he has an 06 1.2 Punto, me a 03 1L corsa).
So, I changed his details to owning my car, his quote was over £100 more than myself, despite me having a claim and less no claims.
I know there is always a little difference, but I'm at a loss as to explain why his is consistently higher based on the details which is making me consider is there is some sort of 'marker' on him.
Is there a way I can find out? Or if you have any suggestions for the high differential, based on details I should be paying more than him, not the other way round
Shouldn't be complaining lol :j
I get what i want. That isn't because i'm a brat or spoilt. It's because i'm determined, i work hard for it and i achieve my goals!
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Comments
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Job titles?
There's a reason why they ask..... Certain professions are considered high risk.
Here http://www.moneysavingexpert.com/insurance/car-insurance-job-picker/
Whilst insurers are not allowed to use gender discrimination any more, but they CAN discriminate by profession, which essentially means they can charge more for typically male orientated professions.“I may not agree with you, but I will defend to the death your right to make an a** of yourself.”
<><><><><><><><><<><><><><><><><><><><><><> Don't forget to like and subscribe \/ \/ \/0 -
Strider590 wrote: »Job titles?
There's a reason why they ask..... Certain professions are considered high risk.
Here http://www.moneysavingexpert.com/insurance/car-insurance-job-picker/
Excellent tool. Can't believe I didn't spot that already.
However, there is only a £15 variance between the highest and lowest.I get what i want. That isn't because i'm a brat or spoilt. It's because i'm determined, i work hard for it and i achieve my goals!0 -
All your claims information is held on CUE - Claims and Underwriting Exchange.
It costs around £15 for your file to be sent to you. I had mine a couple of years ago just to confirm some information that I had previously mis-placed.
Interestingly none of my previous 4 recent windscreen claims appeared on this database."Dream World" by The B Sharps....describes a lot of the posts in the Loans and Mortgage sections !!!0 -
misssarahleigh wrote: »Excellent tool. Can't believe I didn't spot that already.
However, there is only a £15 variance between the highest and lowest.
Yes but your telling it your profession and it lists similar professions, not entirely different ones. The tool is meant to show you what you could potentially change your title to when taking out insurance.
http://www.thisismoney.co.uk/money/cars/article-2225218/Top-expensive-jobs-car-insurance--cheapest.html
^^ Might give you a better idea.“I may not agree with you, but I will defend to the death your right to make an a** of yourself.”
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So, I'm clearly going mad.
I decided to adjust his name. I thought, if it was linking his name, I'll try another to test it so he became george
Lowest quote reduced significantly
Changed his name back to his own
Every company on his quote list has changed price.
I've double checked and the quote I did this morning is the same as this afternoon however the price's are massively different
This morning - £612
This afternoon - £449
Happy it's now lower, still very confused.
I'm going to check again tomorrow as it's bothering me.I get what i want. That isn't because i'm a brat or spoilt. It's because i'm determined, i work hard for it and i achieve my goals!0 -
misssarahleigh wrote: »This morning - £612
This afternoon - £449
Check it in the evening, it may of gone down another 25%"Dream World" by The B Sharps....describes a lot of the posts in the Loans and Mortgage sections !!!0 -
It wouldn't surprise me if somehow the insurance companies had linked customer names to accident statistics. But I've had a quick search and didn't find anything to suggest it true.“I may not agree with you, but I will defend to the death your right to make an a** of yourself.”
<><><><><><><><><<><><><><><><><><><><><><> Don't forget to like and subscribe \/ \/ \/0 -
Foxy-Stoat wrote: »All your claims information is held on CUE - Claims and Underwriting Exchange.
It costs around £15 for your file to be sent to you. I had mine a couple of years ago just to confirm some information that I had previously mis-placed.
Interestingly none of my previous 4 recent windscreen claims appeared on this database.
£10
http://www.insurancedatabases.co.uk/media/2893/data_subject_access_request_form.pdf0 -
I don't think the sex thing has had much affect, Adding a female driver instead of a male one still gets lower quotes.
Looking for unsurance for my daughter adding a female member of the family lower the quote where adding a male didnt.Censorship Reigns Supreme in Troll City...0 -
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