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  • FIRST POST
    • Martok
    • By Martok 9th May 18, 4:58 PM
    • 16Posts
    • 13Thanks
    Martok
    Vehicle insurance discrimination
    • #1
    • 9th May 18, 4:58 PM
    Vehicle insurance discrimination 9th May 18 at 4:58 PM
    I wasn't sure whether to post here, consumer rights or motoring, it would fit in them all.

    We recently found ourselves in need of a second car and in an effort to get my wife back on the car insurance ladder and build up some NCD we decided to insure it in her name. (Her NCD had run out as it is over three years since she was insured as the main driver)

    Using gocompare and describing my wife as "unable to work due to disability" the cheapest quote was 316. Trying to tweak it a bit we went back and changed her employment status to "housewife" and the cheapest quote was then 264. Please note that both descriptions fit my wife and this was the only change that was made.

    The two cheapest for housewife, Privilege and Churchill, wouldn't give quotes on gocompare for unable to work due to disability so I went on to their websites and got quotes and both increased by approx 100.

    The biggest increase that I could see was Halifax who jumped from 303 to 676!!!!!

    Liverpool Victoria stayed the same at 343. Well done them.

    Is there some discrimination here or can they legally increase their premiums because someone is unable to work because of a disability?
Page 1
    • sevenhills
    • By sevenhills 9th May 18, 6:39 PM
    • 1,343 Posts
    • 499 Thanks
    sevenhills
    • #2
    • 9th May 18, 6:39 PM
    • #2
    • 9th May 18, 6:39 PM
    Using gocompare and describing my wife as "unable to work due to disability" the cheapest quote was 316. Trying to tweak it a bit we went back and changed her employment status to "housewife" and the cheapest quote was then 264. Please note that both descriptions fit my wife and this was the only change that was made.
    Originally posted by Martok
    When I was looking for insurance, some of the price changes did seem odd. The web sites can store your cookies, and alter the price for some reason.
    Maybe other can help?

    • anniecave
    • By anniecave 9th May 18, 10:10 PM
    • 2,216 Posts
    • 716 Thanks
    anniecave
    • #3
    • 9th May 18, 10:10 PM
    • #3
    • 9th May 18, 10:10 PM
    When i was searching for car insurance after being made redundant I found that some insurance were quoting more for being unemployed rather than employed.


    They can legally charge different premiums for other aspects of who you are (eg your age or whether you are married or single or whatever) so I guess that's just another part of the picture.
    Indecision is the key to flexibility.
    • tomtom256
    • By tomtom256 10th May 18, 7:02 AM
    • 959 Posts
    • 1,742 Thanks
    tomtom256
    • #4
    • 10th May 18, 7:02 AM
    • #4
    • 10th May 18, 7:02 AM
    Of course premiums change, insurance is based on risk/the perception of risk so if you are deemed to be high risk you will pay higher premiums.
    • bertiewhite
    • By bertiewhite 10th May 18, 8:27 AM
    • 1,178 Posts
    • 1,296 Thanks
    bertiewhite
    • #5
    • 10th May 18, 8:27 AM
    • #5
    • 10th May 18, 8:27 AM
    My wife has been refused insurance before because she said she was not working.
    • Dandytf
    • By Dandytf 19th May 18, 9:58 AM
    • 1,356 Posts
    • 423 Thanks
    Dandytf
    • #6
    • 19th May 18, 9:58 AM
    • #6
    • 19th May 18, 9:58 AM
    I got quite a shock from some quotes this year when I declared M.S. disability to Dvla and insurers.
    Though to be fair my recently reduced 3year at a time renewable liscence was probably flagged on their systems.
    sc dmp 2012 13k Jan 2018 8840 paid. 60% approx.
    Mid 2018 Help2save 50 uk pounds per month
    Mid 2018-Virgin Money E-saver V11 -250+50 uk pounds per month
    • missile
    • By missile 19th May 18, 10:43 AM
    • 9,537 Posts
    • 4,753 Thanks
    missile
    • #7
    • 19th May 18, 10:43 AM
    • #7
    • 19th May 18, 10:43 AM
    Using gocompare and describing my wife as "unable to work due to disability" the cheapest quote was 316. Trying to tweak it a bit we went back and changed her employment status to "housewife" and the cheapest quote was then 264.
    That does seem unfair.

    I find it hard to believe disabled people have more accidents?

    Some insurers don't appear on comparison websites; e.g. Direct Line will give NCD credit to drivers named drivers.
    Last edited by missile; 19-05-2018 at 10:48 AM.
    "A nation's greatness is measured by how it treats its weakest members." ~ Mahatma Gandhi
    Ride hard or stay home
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