Double standards

Post by **Peetee** » Fri Jul 10, 2009 7:25 pm

I had a conversation with the insurance company re: a bump in my Passat. Whilst on the phone I asked them to ammend my policy and remove my wife as a named driver. "OK, sir. Right, it would be in your interest to keep her on there as your premium would increase".
So I kept it on there - on their advice.
Now, putting aside the ridiculous nature of this - you state that less people drive the car, ergo it will be on the road less, ergo it will be less likely to be involved in a claim - something else didn't quite add up.
And then I thought about it. Isn't that fraudulent? In the same way as insuring your 1st car under your dad's name was (cos he wasn't the main driver). You are giving false information in order to reduce your premium.

It's a funny old world.

Post by **d_harris** » Fri Jul 10, 2009 8:46 pm

Hate to ask the question, but did you say way?

I agree though, it is flippin stupid...

Hope the snotbox is OK....

Post by **ASL642** » Fri Jul 10, 2009 8:51 pm

Insurance companies seem to think that women have less accidents than men so if you're wife is driving the vehicle for say 50% of the time it reduces the chance of a accident by 50%. I agree this is a really batty logic, but that's how they see it

Post by **rayofleamington** » Fri Jul 10, 2009 9:37 pm

I had the same issue maybe 5 years ago - i kept that g/f on the insurance for a couple of years after she'd gone. It wasn't like she was going to drive it, but i can't see how adding a 2nd driver is fraudulent. What made me laugh is that she had forgotten how to drive!
Apparently SINGLE men are more risky in their eyes. There's probably some small justification in the figures for that.

Post by **bmcecosse** » Fri Jul 10, 2009 11:17 pm

My daughter's car insurance -in her name - went down slightly when she added me as a named driver.

Post by **Peetee** » Sat Jul 11, 2009 1:10 am

A few years ago I was stating my profession as Illustrator and cosequently my premium was loaded because 'artists' are emotionally unstable and a high risk. My next profession took me away from a job I loved and I became a retail assistant. Despite this emotional upset and the subsequent feelings of anxiety and inadequacy I suffered by having to sustitute the creative and inspiring for the subserviant and mundane, I was deemed to be a lower risk and my premium went down.

Post by **8009STEVE** » Sat Jul 11, 2009 2:28 am

I went for insurance, as a driving instructor by trade, and it was very high. I changed it to being a teacher (of driving) and it went down.

Post by **Dryad** » Sat Jul 11, 2009 9:53 am

When I was trying to reduce my monthly outgoings recently I decided to change my car insurance from fully comp to just third party, fire and theft, but my insurance company told me that if I did that the premium would be higher because they consider drivers who take out fully comp insurance to be generally more careful drivers. More for less and less for more - eh???

Post by **MarkyB** » Sat Jul 11, 2009 5:19 pm

Insurance companies make up the rules to suit themselves.
I've got 2 motorbikes and it seems that it is them that accrue no claims discount not me!
The whole no claims thing is a bit archaic now. All insurance details are on databases now but you still have to provide proof in writing, why? Just in case they can trip you up I suspect.

Post by **Dean** » Sat Jul 11, 2009 5:25 pm

MarkyB wrote: I've got 2 motorbikes and it seems that it is them that accrue no claims discount not me!

Does that irritate me!

"Oh this is a second car sir... you need to have a separate insurance and start your no claims from scratch." "But, I have full no claims discount on the first!". "It doesn't matter sir... each policy is separate"

Until you make a claim on one... both policies go up as you are considered a risk!!

A friend of mine bumped his works van and his firm made a claim. On renewing his car insurance.. "Any claims in the past five years". No, on investigation after two days they annulled his insurance as he failed to declare the bump in his works van.

Post by **rob.hardy1** » Sat Jul 11, 2009 5:40 pm

i have my own car and my morris. i am the only driver.Whilst i know i can get reduced insurance if i insure both vehicles with the same company, has anyone come across 1 insurance policy for 2 cars. I can only drive one at a time.

Post by **Dean** » Sat Jul 11, 2009 5:51 pm

I believe in the US, it is the person that is insured, so basically you could drive any car within reason. I'm not aware of anyone doing the same type of policy over here.

Shame really it would make sense, but would probably save us money so less likely to happen.

Post by **d_harris** » Sat Jul 11, 2009 7:23 pm

rob.hardy1 wrote: has anyone come across 1 insurance policy for 2 cars. I can only drive one at a time.

Aside from collectors policies....

Admiral Multicar

Post by **les** » Sat Jul 11, 2009 9:28 pm

went down slightly when she added me as a named driver.

Maybe the kilt had a bearing on it, bm!