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Why does my name affect my insurance?
itsnathanhere
Posts: 3 Newbie
I've just done my first car insurance renewal. Been with admiral for a year, told them I was leaving because their new quote was £2,400 (which is actually more than I was paying the year before!) and I was getting quotes of £900 elsewhere (including Admiral...). The lady over the phone was doing her best to match the price to the one on the comparison site, but something went a bit wrong.
My surname has an apostrophe, and a lot of websites won't let you enter apostrophes, so I had to enter my surname without it. When the Admiral lady matched my quote and was able to include an apostrophe, it shot up from £900 to £1300 on the comparison site because they could 'track my history'.
Two questions:
I've never been in an accident or made a claim in any way on my insurance. So what could they get from my 'history' that makes a difference to my risk factor? Worth submitting a freedom of information request to see what details they hold on me?
Any help is appreciated!
My surname has an apostrophe, and a lot of websites won't let you enter apostrophes, so I had to enter my surname without it. When the Admiral lady matched my quote and was able to include an apostrophe, it shot up from £900 to £1300 on the comparison site because they could 'track my history'.
Two questions:
- If the details I've entered in the comparison site are the same, why does my name make a difference?
- Are these figures normal for a 25 year old firefighter with a year's no claims bonus, driving a 1.6 Skoda?!
I've never been in an accident or made a claim in any way on my insurance. So what could they get from my 'history' that makes a difference to my risk factor? Worth submitting a freedom of information request to see what details they hold on me?
Any help is appreciated!
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Comments
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itsnathanhere wrote: »I
[*]Are these figures normal for a 25 year old firefighter with a year's no claims bonus, driving a 1.6 Skoda?!
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Yes. They look spot on.0 -
Thanks! Reading back it looks like I was having a moan - just wanted to make sure I wasn't being a plonker
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Take the apostrophe off again(?).0
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itsnathanhere wrote: »When the Admiral lady matched my quote and was able to include an apostrophe, it shot up from £900 to £1300 on the comparison site because they could 'track my history'.itsnathanhere wrote: »So what could they get from my 'history' that makes a difference to my risk factor?
It's almost certainly this:itsnathanhere wrote: »Been with admiral for a year,..
Admiral probably offer new customers a discount in their first year (so you probably got that discount last year).
Once the system matched your name, it realised that you are not a new customer - so the 'new customer discount' was removed.0 -
Just be a tart and move on, there is no loyalty.0
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