Car Insurance - Quote difference between husband and wife

Eilsg

Two car household, both my husband and I are an owner and policy holder for each of the cars. My car is being traded in for a new vehicle, collecting this Friday. It’s an EV so was expecting a hike in premium. What I wasn’t expecting was for my quote to be £230 more expensive than my husbands quote. All details exactly the same, only difference being that he would buy the insurance with me as the car owner. 

Has anyone else experienced this? Clearly we could save the money but going forward I want to maintain my NCD. 

born_again

Husband ins car this year, you insure it next. That way you keep NCD
Making sure that main driver is correctly listed, to avoid fronting.

DullGreyGuy

Eilsg said:

Two car household, both my husband and I are an owner and policy holder for each of the cars. My car is being traded in for a new vehicle, collecting this Friday. It’s an EV so was expecting a hike in premium. What I wasn’t expecting was for my quote to be £230 more expensive than my husbands quote. All details exactly the same, only difference being that he would buy the insurance with me as the car owner. 

Has anyone else experienced this? Clearly we could save the money but going forward I want to maintain my NCD. 

what was the time gap between the two quotes? Did you keep the start date the same?

Eilsg

Same start date and done at the same time within ten mins. 

dunstonh

Eilsg said:

Same start date and done at the same time within ten mins. 

Did you go back and change information that could trigger an anti-fraud premium increase?
Was this a single insurer quote or a comparison site and everyone's pricing changed?

400ixl

So one quote was you as the registered keeper and the main driver, and the other was your husband as the registered keeper and you as the main driver?

Or one quote with you as the main driver and husband as additional driver and other quote as your husband as the main driver and you as the additional driver?

Not clear from what you say in your opening post.

There is the policy owner, vehicle owner, registered keep, main driver and additional driver. Who was what for the two different prices?

Marvel1

Eilsg said:

Two car household, both my husband and I are an owner and policy holder for each of the cars. My car is being traded in for a new vehicle, collecting this Friday. It’s an EV so was expecting a hike in premium. What I wasn’t expecting was for my quote to be £230 more expensive than my husbands quote. All details exactly the same, only difference being that he would buy the insurance with me as the car owner. 

Has anyone else experienced this? Clearly we could save the money but going forward I want to maintain my NCD. 

Occupation? Number of years full licnece held? Age?

sheslookinhot

What is your husband doing about NCD on his own car/policy ?