Different insurance costs between husband & wife?

pjs493

Keep_pedalling said:

It is likely the fact that you are in full time employment and he is retired that makes the biggest difference. 

I agree. I changed my marital status from married to widowed, following the death of my husband, and my premium dropped.

DullGreyGuy

delta808 said:

It must be occupation. He has 14 years NCB. I have over 20. I don't commute as I work from home, but the algorithm didn't take that into account! This is all through money supermarket. But yes I thought £120 was absurdly low! In didn't even think that was possible any more!! 

It does because you don't including commuting if you don't commute to work and just buy SD&P instead of SDP&C

Can't see an answer to the question about are these from a single insurer or a single outlier on the aggregators?

When I worked in consumer insurance we do sensitivity testing by randomly assigning 10% of customers to a 20% loading and 10% of customers to a 20% discount and measure the difference in the buy rate. Because of marketing promotions about online discounts "random" couldn't be purely random as the same person needs to fall in the same bucket irrespective of channel. So in theory identical twins who live as neighbours with the identical car, same job, passed on same day, no claims etc could have a 40% spread in premiums simply because one got a random loading and the other a random discount.