Post 408184 by KPB on 2011-09-05 18:40:44
Sold my T5 five months ago and have been running a Xsara diesel snotter since then. With impending arrival of our first baby I picked up an Audi A3 1.8T quattro 5dr as a run around for the missus as her current car is a 2-door and won't be very practical.
So now i've got to insure 2 cars and have been jigging around with the quotes etc with some surprising results.
All the below are with the A3 using my 5yrs NCD and low mileage, and the Xsara with 0 NCD and high mileage.
1. Multicar quotes - £820 for the two.
2. Separate policies with just me named (the missus driving the Audi 3rd party on her policy) = Audi £380, Xsara £400 third party fire n theft.
3. Separate policies with wifey named driver on both = Audi £277, Xsara £310
I'm really surprised how adding a higher risk driver - based on her points and no claims - pulled my policies down by best part of £200!
Post 408327 by lance on 2011-09-06 11:39:15
If it makes you feel any better My Mrs car Insurance always goes down when she adds me to it even when I was under 30 and she was late 30s with femail driver policys eg sheilas wheels and diamond. However when I added her to my policy's which have all been either Performance/ modified policy's it always cost me an extra £10 or £20 per year. I think the above proves what I we have all known for centurys is that femails are all bonkers!
Post 408343 by JUDGENINJA on 2011-09-06 13:49:46
Agreed, my insurance seems to be cheaper with my missus on a provisional licence???
Post 408382 by T5frankie on 2011-09-06 16:52:20
they see you more of a family man with kids etc = a safer driver in their eyes
Post 408396 by Jamest5r on 2011-09-06 18:19:53
[quote=t5frankie;408382]they see you more of a family man with kids etc = a safer driver in their eyes[/quote]
Just as well they aint meet you then :)
Post 408400 by T5frankie on 2011-09-06 18:27:44
[quote=jamest5r;408396]Just as well they aint meet you then :)[/quote]
pmsl yeah good point lol
Post 408410 by t5_monkey on 2011-09-06 19:22:22
[quote=JUDGENINJA;408343]Agreed, my insurance seems to be cheaper with my missus on a provisional licence???[/quote]
Might try that with my GF next time I get insurance, as she's learning to drive at the mo!
Post 408446 by p fandango on 2011-09-06 21:06:01
i thought they'd stopped the insurance price difference between men & women?
Post 408447 by t5_monkey on 2011-09-06 21:11:04
apparently its discrimination although insurers are proper unethical money grubbers so they are probably just ignoring the law.
Post 408449 by JT on 2011-09-06 21:12:07
dont think it comes into play till 2012??
Post 408501 by lance on 2011-09-07 11:02:21
[quote=johnnytempest;408449]dont think it comes into play till 2012??[/quote]
Correct and it wont just affect car Insurance, life, PHI, Critical illness & PMI etc
Post 408504 by jay71 on 2011-09-07 12:12:41
I got a quote separated and unemployed at the moment (made redundant) £721
when i put in married and house husband it was £543
both with just me as the driver !
big difference, yes i am separated, technically still married and my 2 boys live with me.
you could say that being unemployed you could use the car more , but a house husband could also, hardly fair is it ................
Post 408520 by KPB on 2011-09-07 13:30:05
Slightly embarrassing but the cheapest quote I got via confused.com was for Sheilaswheels! Presumably because i'd added the missus to the policy.
At least now i'll have an excuse for dressing up in women's clothing.
Post 408540 by p fandango on 2011-09-07 16:17:51
[quote=KPB;408520]Slightly embarrassing but the cheapest quote I got via confused.com was for Sheilaswheels! Presumably because i'd added the missus to the policy.
At least now i'll have an excuse for dressing up in women's clothing.[/quote]
pretty certain they have to insure both sexes now despite being a price difference