Just renewed the van insurance and i got just under £200 OFF by ADDING my missus to the policy

How the fuck does that work

So people.......start adding people to your policys and you will get it cheaper

 

because she is blatantly a better driver than you, therefore reducing your chances of claiming

If you have children it brings it down too, so make some kids up as your more responsible apparently.

Sarah

 

I noticed this when I added my wife to the MR2 policy. It dropped by 212 quid...

I never told her though, cos she'd have wanted me to give her the money

 

But how can ADDING someone to a policy........therefore INCREASING the risk of a crash ect as more people will be using it therefore being on the road more.......Reduce the cost

She wont be using a bloody big transit anyway

 

My insurance went down by about 30 quid when I put my 20 year old sister in law on the policy.
She aint even got a full licence, I'm teaching her to drive.

Insurance companies go all stupid over women. The fact shes a girl must have ticked some 'safer driver' box somewhere on their system.

 

Strange isnt it, because if 2 people are sharing the policy and 1 of them is a woman with kids, half the time the car is at less of a risk of being in an accident or a claim, therefore making it cheaper to insure?

Im just waffling im sure some insurance boffin will correct me

Sarah

 

Tiff, apparently it proves that YOU won't be as likely to have a smash because statistically there will be 2 of you in the car more as you're both on the insurance.

Thats what Rardeep Singh (aka 'Joe') from the insurance people told me when I did it.

 

NOT THAT I AM COMPLAINING

Fair play to them......... Better start adding women to all my car policeys

 

I have just insured my first motorbike EVER, a Ducati 996, and it is £480 fully comp with NO bike NCB's, and no previous experience, yet it is still cheaper than any of my other cars that I have 10 years NCB on .... strange old world.

 

and on the other scale of this... my mate who is 23 got a quote for insurance on a 200sx and they wanted 40grand LOL

 

If you want comedy quotes try 'LV'.

I tried them after seeing all the ads thinking "What the hell.. give em a chance."
They quoted me near £500 for a 1.3 HCS escort worth about 50p.
I said no thanks and continue to pay HIC £160 for the same shitter.

 

its over twice as much for me to insure a standard e36 m3 worth 3k than

mk2 astra turbo'd running 400bhp all engine mods declared roll cage 2 bucket seats and perspex windows.

under 600 for the gte over 1300 for the m3

they are on drugs sometimes im sure

 

i tried to add my mum to my policy to see if it would affect it. they said they couldnt cover it due to her age, she was too young

silly bint on the phone couldnt understand that she'd typed her DOB in wrong how can my MUM be younger than me ffs

 

i do find insurance crazy!

i phoned greenlight today to cancel my cossie policy, but i wanted to insure my daily driver with them.

now bearing in mind my cossie was circa 360bhp, they wont insure me on my bog standard 323i coupe!

 

been doing this for years, my wife puts me on her insurance for her car, and gets an automatic discount of over £100

 

I transferred my policy from a stock 2litre glsi sierra valued at 450quid to a Toyota Chaser valued at something mental like 15k, with all mods declared, inc a 400bhp RB26, stripped, buckets, respray, wheels, coilovers, diff, etc etc etc

And it was 50quid more

 

Yeah got the discount, on the cars by adding the better half. It also works if you add any other named driver over 25yrs old. I was quoted £870 FC to drive an e46 M3 with just the mandatory excess and was quoted £1040 with just the mandatory excess on a Ferrari 360 or £780 with a £500 excess! Insurance is just weird.

 

Allways since day one of driving , ive had my mum on my policys.

remember in 97 my 1.1l fiesta was 800 a year with my mum on the policy, best quote without her on it was 1200+ from memory!




the thing with puting you otherhalf on the policydoes make it cheeper, its when you try and get added to theres they moan as it costs more.

 

Arrr Bless

 

the insurance companies favour women as their figures show women make less claims,what the insurers fail to realise is that women are claiming on their husbands policies as it was his car she crashed lol
in a few years time it will revert back when they realise their grave error

 

statisically women make fewer claims than men £ for £ which is why their policies are cheaper

what they don't tell you is that women make more claims mile for mile than blokes do

but then again, blokes claims tend to be higher than womens claims for the repairs

on a side note, my dad, with me as the named driver was quoted £400 on the mondeo
same company, with the names swapped around wanted £700 with me as the policy holder and my dad as the named driver

then i thought "fuck you very much" and went onto the internet on one of these price comparison websites

the same insurance company gave me 5 different quotes (esure) so i went with the cheapest

when the policy came through it had business mileage on it as well, so i called up and said i didn't want it for business mileage, just spd and it went up from £400 with me and my dad to £600, for doing LESS mileage

then they said if i did it online they would give me a better price than calling into a call centre because that's what they were offereing

so i got more for my money than i needed

what a crazy fucked up world we live in

but i'm sure tony will come along and tell us the truth about what we are saving and why we are getting penalised for other stuff

 

My dad used to do this and not tell my mum

 

how the fuck do others get stuff like this? nothing i do or say lowers my premium even though im 38 with 0 points and 4 years NCD?

 

I used to do it with fictitious people back it when i couldnt get insured on anything not like they will ever crash and claim as they dont exist

if you stick some old woman on your policy as a 17 year old then the company sees it as 50% less time the 17 year old will be driving.

 

somebody told me to try this before so i put my mum on my policy for my cossie and my insurance came down £120, cant argue with that!

 

I've always added my Mum, or girlfriend etc. My Mum has been on my policies for about 4 years now lol, and saved me £5-600 I should think

 

but insurance companies arent stupid. they know the old woman isnt really the main driver of a tuned cossie

 

I came across this when i had my cossie a few years ago ......... insured the car with the missus at the time and didnt tell her

Let her drive me about in her heap of an almera at the time lol

 

Mums always been on my policy too. Stupid thing is at 21 it's £200ish a year cheaper for me to drive my Escort RS Turbo than my old 1800 MK3 Fiesta DIESEL!

 

Im looking at insurance at the monent

Quote for Fabia Vrs £3000 per year
Add my dad onto policy = £2400 per year
Add my mum also = £2100

So £900 shaved off by adding them. Still my own policy and me as main driver

 

Girl power lol,

 

Put Deb on the insurance for my Focus this morning as she's driving that for a bit as I need her car to get some bits done (and shift a load of shit in my garden as she's got an estate ) - extra £38 for the year.

 

I used to put my dad on my insurance, used to bring it down loads.

 

Fu*K BOLL*KS C**T!!!!! i have just insured my 2,8i capri for £1900 on my own policy iam 18 with 1yr ncb, i wish i had read this an hour ago!!!! f*cking typical!!!! lol

 

ive had my old man on my insurance all the time,,,, originally it was incase he got nicked for speeding if he borrowed my car

though aint done shite for my impreza for some reason


tiff wonder what discount my mate will get, married with 4 birds on the side if he added all of them pmsl

 

You paid 1900 quid to insure a capri!

 

Me and the ex were looking at getting an escort about 10 years ago - it was CHEAPER insurance on the 1.6L than the 1.3L.

 

i paied 1800 quid 24 years old on a 1300 escort

though the 9 points and just passing my test MIGHT have something to do with it maybe

though i pay just over a grand on the jap shite