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Car insurance renewal insult

(31 Posts)
Bessiebigpants Fri 07-Nov-14 19:40:24

I don't think I'm being unreasonable and if I am I don 't care I am outraged.
I renewed my car insurance today because finally I managed to get a new car.I have used the same nodding dog company for years.Im now almost divorced so requested as an afterthought that my stbexh was removed as a named driver from my policy.They wanted to charge me an additional sixty odd quid for the pleasure.Not in admin but because as a single woman I am considered to be more risky than a married one!
Bloody cheek clearly as a married woman I'm less likely to have an accident than as a single one.How can this be justified.I have logged complaint etc but still feel disappointed in the company for having such outdated beliefs.
Just needed to get that off my chest thank you.

LaurieFairyCake Fri 07-Nov-14 19:43:52

Er no.

It goes the other way too - married people statistically have less accidents

Dh's insurance is MUCH cheaper because I'm on his policy

It's been this way for years

DanceToJoyDivision Fri 07-Nov-14 19:48:26

Insurance companies work on statistics. It's nothing personal. Statistically, people who are married have less accidents than those who are single. My car insurance premium increased when I got divorced. As did the premium of my ex husband.

TaliZorahVasNormandy Fri 07-Nov-14 19:54:02

Try putting someone you trust on your insurance, I was told having another driver decreases the premium.

MsVestibule Fri 07-Nov-14 19:58:56

I was a bit miffed that as a SAHM, I'm more of a risk than I was as a bank manager. Just statistics though, I wasn't offended. Just miffed.

Lucyccfc Fri 07-Nov-14 20:00:26

I have my Dad on my insurance and it was £80 cheaper.

My Dad has my Mum on his insurance (she has a provisional licence) and it was £30 cheaper - seems mad really.

TaliZorahVasNormandy Fri 07-Nov-14 20:08:14

I'm considering adding my mum to my insurance in Jan to see if it comes down.

HermioneWeasley Fri 07-Nov-14 20:32:09

It is pure calculations, nor personal or a statement about the value if relationships.

People who buy frozen pizza are more likely to have car accidents - strange but true fact

juneybean Fri 07-Nov-14 20:33:33

I have my mum on mine to lower premiums as I'm single. Just one of those things.

Andrewofgg Fri 07-Nov-14 20:43:32

Bear in mind that because of that preposterous decision of the European Court of Human Justice they can no longer consider the actuarial differences between men and women as drivers - but they can consider the actuarial differences between married, single and divorced people. So what do you expect?

kelpeed Fri 07-Nov-14 21:01:32

shop around. tell the comanies what quotes you have been offered by their competitors and ask them to match. the insurance companies rely on you being lazy and staying with their old insurance package.

did you opt to pay by month? is there a minimum period before which you can change to something else?

Eminybob Fri 07-Nov-14 21:26:35

Yep, until recently DP hadn't driven since he passed his test aged 18, yet he's been on my insurance policy for years and years as it makes it cheaper for me. It's ridiculous I agree.

Haffdonga Fri 07-Nov-14 21:32:13

Our insurance went up when we moved to a different area. (It's the postcode, they explained.) Of course.

Then we moved back to the original postcode. The inusrance went up again . I questioned why. Oh, it's the postcode, they said. hmm

Another thing that annoys me is that car insurance is more expensive if you are unemployed than if you are using your car to commute to work in the rush hour every day.

PenelopeGarciasCrazyHair Fri 07-Nov-14 21:48:08

I their defence, I separated from my ex two years ago, having had one accident in 14 years. I've had two this year alone blush. I don't know if there is something in it, perhaps it's because the pressure of him going ballistic if I did have a prang was enough to make me more careful, or perhaps because I'm too deliriously happy these days to care, but it could be that having another person responsible for the vehicle makes you take more care?

Cabrinha Fri 07-Nov-14 22:50:06

I'm with Directline, mine also would go up by about £30 removing my XH. I'm old, years of NCB, he had worse record... However, they said they have a policy of not increasing in those circumstances. I've been with them 10 years and have several times been impressed with things like that.

whatever5 Fri 07-Nov-14 23:38:34

I could imagine that married men are statistically less likely to have accidents than single men. I doubt that the same is true of women but they perhaps aren't allowed to treat women any differently to men.

Andrewofgg Sat 08-Nov-14 07:04:11

Exactly Whatever5. Women used to pay for less for car insurance and life insurance and men used to pay less for annuities - but the European Court of Justice held that that was a breach of one of the equal treatment directives. Prime Euro-bollocks!

When I said European Court of Human Justice upthread that was wrong - this is the EU outfit in Luxembourg, not the Human Rights show in Strasbourg

Eastpoint Sat 08-Nov-14 07:11:13

Try Admiral, they were much cheaper for us than anyone else. We were with DirectLine & they must have decided they didn't want us as customers, their prices were so high.

It's always been like this, I had the same when I split with exDP 20 years ago. Definitely worth shopping around every year and not just renewing with the same company.

Redtartanshoes Sat 08-Nov-14 07:41:57

Would you not be better to keep him on just incase there was, say, an emergency and you needed him to drive the car..... wink

Alibabaandthe40nappies Sat 08-Nov-14 07:44:00

My insurance is cheaper with DH on it, and vice versa. Its just numbers.

Johnogroats Sat 08-Nov-14 08:40:04

Ours was cheaper with FIL on it. He was a extremely cautious driver and drove our car I think once. We left him on until the poor man died.

CinderellaRockefeller Sat 08-Nov-14 08:41:45

I worked on data modelling a (very) long time ago, and they quite often select a batch of accounts to test to destruction. So they raise the price an amount to try and establish the level at which they can raise premiums and still retain custom. They're aware that most will leave but losing 100+ accounts to establish how much you can get away with raising the prices on tens if not hundreds of thousands is good value.

You've been caught out a different way this time, but it's just an example of how impersonally companies work with data - there is no moral agenda you are totally just a number to them.

Dunkling Sat 08-Nov-14 09:30:33

As said, insurance goes on statistics, and married people are shown to have less accidents hence single people pay higher premiums. You also gain from this though as women have less accidents than men hence lower premiums than men. You can't have it both ways. Were we to stop all this statistic stuff to stop offending drivers egos and go for an all out one rule for everyone stance, the premiums will only go one way.... and it won't be down!!

Thrif Sat 08-Nov-14 09:48:14

Dunkling, I thought the law changed on that though? Women have fewer accidents and so premiums used to be cheaper but now the law says we can't be charged less (or men more) for that reason alone. That's why Drive Like a Girl now have those gadgets that monitor your driving, so that men and women who drive "like women" can get the cheaper insurance.

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