Car Insurance Article Discussion

Humberstone27

If you happen to be over 50, try Saga or Rias both very competitive and very efficient.

JohnDoe1

Had a quote from Aviva 2 weeks ago and it was ~£400. Did the same quote today with same details and it's ~£700!!

Ridiculous! What's going on??

bingo_bango

Just had my renewal quote from Endsleigh.

8yrs no claims, 1yo car parked on road outside house, fully comp with business use, and I live in NI.

Gone DOWN by 10% to just under £300. It appears I am bucking the trend!

Ms_Mouse

I have been getting quotes for car insurance and don't recall seeing this question before. Some, maybe not all, ask if there are any children under 16 in the household.

What is the relevance? How does the answer affect premiums?

The question is never framed with reference to an address, always to a "household".

The insurance is for my partner, who has yet to take his driving test. He does not live at the same address at me. I already have car insurance, have had a licence for over 35 years and I am going to be a named driver on his insurance - I hope that this will help to reduce his premiums.

He has a child under 16 who does not live with him. However, the child stays with him a couple of days and one night a week. He and the child always stay at my house, not his house. (I have got a garden and a dog, which means it is much more fun for him than staying with his dad in a small upper-storey flat.)

We both live in "high risk" areas not far from each other. My partner's car will be kept in my very secure, locked back yard.

For the purposes of car insurance, to answer honestly:

1) Should my partner answer "Yes" or "No" to the question about any children under 16 being "part of his household"?

2) Should I answer "Yes" or "No" to the question about any children under 16 being "part of my household"?

I hope that there are some legal-types around who can help clarify :-)

Best wishes,

Liz

Steve_xx

Ms_Mouse wrote: »

I have been getting quotes for car insurance and don't recall seeing this question before. Some, maybe not all, ask if there are any children under 16 in the household.

What is the relevance? How does the answer affect premiums?

The question is never framed with reference to an address, always to a "household".

The insurance is for my partner, who has yet to take his driving test. He does not live at the same address at me. I already have car insurance, have had a licence for over 35 years and I am going to be a named driver on his insurance - I hope that this will help to reduce his premiums.

He has a child under 16 who does not live with him. However, the child stays with him a couple of days and one night a week. He and the child always stay at my house, not his house. (I have got a garden and a dog, which means it is much more fun for him than staying with his dad in a small upper-storey flat.)

We both live in "high risk" areas not far from each other. My partner's car will be kept in my very secure, locked back yard.

For the purposes of car insurance, to answer honestly:

1) Should my partner answer "Yes" or "No" to the question about any children under 16 being "part of his household"?

2) Should I answer "Yes" or "No" to the question about any children under 16 being "part of my household"?

I hope that there are some legal-types around who can help clarify :-)

Best wishes,

Liz

Insurance companies do ask this quite a lot. I think that it can favourably affect the premium since if there are kids in the house it implies that you are an adult with responsibilities, and that as such you may be less likely to drive recklessly.

I think the answer to your question 1 & 2 is No and No. The insurer would be looking for the child to be permanently resident.

Ms_Mouse

Thanks Steve :-)

I guessed wrong then - I imagined that it must put the premium up or they wouldn't bother asking :-)

I thought maybe they expected children might cause accidental damage to the car, or distract the driver and make an accident more likely. Though why "under 16" rather than any other age had me baffled - I thought it was maybe something to do with the parent having legal responsibility for actions of a child under a certain age.

I can see the logic now you have explained it. As it works favourably then I guess that there must be actuarial rather than just anecdotal support for it.

Thanks again,

Best wishes,
Liz

katielee15

My husband has a company van for his work & subsequent insurance through his company.

He has had a couple of accidents some his own fault & some other peoples.

Need some advice - do I have to declare his accidents on my car insurance as they are not in my veichle or on my policy.
1 insurance company said I do & someone else has told be I dont as its not in my vehicle & is settled through his own company.:D:D

Steve_xx

katielee15 wrote: »

My husband has a company van for his work & subsequent insurance through his company.

He has had a couple of accidents some his own fault & some other peoples.

Need some advice - do I have to declare his accidents on my car insurance as they are not in my veichle or on my policy.
1 insurance company said I do & someone else has told be I dont as its not in my vehicle & is settled through his own company.:D:D

If he has his own insurance and he is not a named driver on your policy, then you don't need to inform your insurer.

winton_2

Is this some sort of joke?

My situation:
I am 26 years old male (27 on thursday)
I have had my full licence since september 2002
I drive a 1.2 Renault Clio Campus (unmodified), I bought it new in 2007. It could be sold for approx £3,500-4,000.
I have made one claim in may 2009 (which wasnt my fault but unfortunately as it was my first accident i didnt get any third party witnesses and had to admit split liability after the other party decided to "change their mind" over who was to blame which cost me)
I have been forced to stay with swift cover since then as no other insurer will offer near to their quote.
Last years premium was £747.90
I am starting a new job tomorrow and in terms of my contract I have been told to put insurance under the "estate agent" bracket.
I anticipate driving approx 7000 miles this year.
My renewal is 16/07/11.

Swift have qouted me £932.92. When I amend to add commuting and business use it jumps up to £1141.
I check with Aviva and they quote me £1129.

I re-iterate... is this some sort of joke?
Insurance cartel/monopoly... this country is a joke, we are getting ripped off... so we don't like it... so what do they do... they FORCE us to take it otherwise it is against the law?!

Can someone please explain to me (other than my SDP becoming SDPCB) why my premium has gone up circa £400 (50%) in one year (I havnt claimed this year and therefore have another no claims year).

ghog99

Can anyone help!
from april last year until april 2011, I was insured by Admiral. I'm usually abroad until spring/early summer, staying in thailand but a keep an oldish car with my son in kent, who maintains service , mot etc.
This year I came back in latish May, sorted car, l mot/insurance road tax , but at end of may my credit card statement arrived - and Admiral had charged me nearly £300 for insurance for this yuear, they held over my details from last year; when I chased them they said they notified me, I said I was out of country at that time, they said they would cancel insurance and charge me accordingly.

I advised I wanted all my money back - I then contacted credit card company (section 75??) who have just replied I must sort this with Admiral.

Can anyone advise on this matter, is the ombudsman of use in this area?
much obliged to all.