When getting car insurance quotes.. I'm actually an Employee

[psychocandy]

Strangely enough I just renewed my insurance and Computer Engineer came out £20 cheaper than Company Director. So I did that.

And remember its perfectly legal to use whichever description you like as long as its reasonable. Also, since its your company you can give yourself whatever job title you like.

(Not that I'm suggesting you should put down nurse or something if its cheaper!)

[Wanderer]

As a side note, I drive a low-value car, so naively thought TPFT might be cheaper....but no, fully comp actually proved to be £30 less ! That’s bizarre

Another strange quirk is that if you add a woman as your named driver then the premium often drops. So make sure you try adding a wife/sister/granny etc to the policy too. Bizzarely, even adding a Learner driver can lower the premium! A mate did this and got a fair discount even though it's unlikely that the named driver would ever actually drive the car.

[northernladuk]

Another strange quirk is that if you add a woman as your named driver then the premium often drops. So make sure you try adding a wife/sister/granny etc to the policy too. Bizzarely, even adding a Learner driver can lower the premium! A mate did this and got a fair discount even though it's unlikely that the named driver would ever actually drive the car.

Again the idea is that if you are married you are lower risk than a single bloke. In theory you are more responsible. Dunno about the learner, I really can't see that unless the learner is older+married etc.

[kingcook]

And when getting multiple quotes with details changed on each quote slightly, use a different name/address/DOB (in the case of address and DOB make them roughly the same as your own).

We discovered earlier this yeah that insurers do see this as trying to massage the figures, and penalise for that. The missus' first ever quote (new driver) was coming in at approx £700 to £800. After a few days of trying e.g. lower mileage, some companies refused to quote and the cheapest started at £1200+

We got 'round it by having the car in my name, with her as the main driver, and me as a part-time driver on the vehicle.

Fook knows who works on these algorithms

[northernladuk]

And when getting multiple quotes with details changed on each quote slightly, use a different name/address/DOB (in the case of address and DOB make them roughly the same as your own).

We discovered earlier this yeah that insurers do see this as trying to massage the figures, and penalise for that. The missus' first ever quote (new driver) was coming in at approx £700 to £800. After a few days of trying e.g. lower mileage, some companies refused to quote and the cheapest started at £1200+

We got 'round it by having the car in my name, with her as the main driver, and me as a part-time driver on the vehicle.

Fook knows who works on these algorithms

You sure it just isn't because the prices changed as companies change their risk profile? I was paying £650 or so for my play car and the renewal came though at £2500. My car had just tipped in to a risk area they didn't want to bother with so priced me out. They move all the time as the stats on claims are updated and the companies attitude to risk.

[psychocandy]

Flippin heck - NLUK. What car u got then? Mines £270 for a 2900cc.

Or are you 18 or got loads of points? ;-)

[northernladuk]

Flippin heck - NLUK. What car u got then? Mines £270 for a 2900cc.

Or are you 18 or got loads of points? ;-)

Nissan 350Z roadster and caught in a bad postcode.

You can check your postcode rating on sites like this..

http://www.motorcarinsuranceuk.co.uk...de-ratings.php

[quackhandle]

You sure it just isn't because the prices changed as companies change their risk profile? I was paying £650 or so for my play car and the renewal came though at £2500. My car had just tipped in to a risk area they didn't want to bother with so priced me out. They move all the time as the stats on claims are updated and the companies attitude to risk.

I used to have a MK II Golf GTi on a classic car policy for 130 notes a year, which was way, way cheaper than normal policies. All I had to do was claim it was garaged at night but it was behind very large gates. Granted there was no roof, but all intents and purposes.

Someone must have got wise to this as after 3 years at £130 the quote for the 4th year was 750!

Ah well, good while it lasted.

qh

[psychocandy]

Nissan 350Z roadster and caught in a bad postcode.

You can check your postcode rating on sites like this..

Post Code ratings for Car Insurance

Flash bugger!

Surprised to find my home is E rated. Weird. Its wales and is semi-rural.

[northernladuk]

Flash bugger!

Surprised to find my home is E rated. Weird. Its wales and is semi-rural.

There is always some reason that makes sense when you find out and I bet they use every excuse they can. Could be that there are less accidents/crime in your area but historically they involve £40k cars and not £6k ones as everyone is a bit well to do or you have unlit country roads that people like bombing around on which are much more risky than inner city lit roads and so on.

It could be, like me, you are caught by a not so good area but because you are rural the post code is a lot bigger and you are stuck in a post code lottery problem. We are virtually crime free here, nice little village in the middle of nowhere. The only problem is the nearest big town is Bolton... You will understand if you have been to Bolton.