Insurance is a joke

[sobrique]

OK, just been checking quotes again.
The best I've got from Admiral is £961 (no business cover).

And then, just to see if it worked, I added my Mum as a Named Driver.

And just that simple change dropped it to £819.

This scares me. I thought extra drivers would _increase_ the insurance...

Comments

[malal.livejournal.com]

I think it works like this. Your Mum is a better insurance prospect than you are. Having her as a named driver makes them assume that for X percent of the time when you take the car anywhere, she drives it instead of you. (They seem to ignore the "Lives in a different county" thing).

I might try that trick myself....

Oh, quick question: What does that do to her insurance? I know it's something they ask you, and therefore is something you need to tell them ASAP if it changes, or they invalidate the insurance...

[sobrique.livejournal.com]

I don't know.
And getting a straight answer on that one is about as easy as getting truth from a politician.

I was always under the impression that being 'named' on someone elses policy was a bonus point - because a) you're trusted by them to drive b) You might be claimin on their policy rather than yours.

[malal.livejournal.com]

It might be a good thing, and drop her insurance. Doesn't mean they wont invalidate it if you don't tell them... :-)