Car Insurance - Quote difference between husband and wife

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. 

Comments

  • born_again
    born_again Posts: 19,786 Forumite
    10,000 Posts Fifth Anniversary Name Dropper
    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.
    Life in the slow lane
  • DullGreyGuy
    DullGreyGuy Posts: 17,648 Forumite
    10,000 Posts Second Anniversary Name Dropper
    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?
  • Same start date and done at the same time within ten mins. 
  • dunstonh
    dunstonh Posts: 119,348 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    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?

    I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
  • 400ixl
    400ixl Posts: 4,482 Forumite
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    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
    Marvel1 Posts: 7,414 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    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
    sheslookinhot Posts: 2,221 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    edited 21 August 2024 at 12:32PM
    What is your husband doing about NCD on his own car/policy ?
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