R Lee
Member
Registered: 15th Aug 03
User status: Offline
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It wouldn't be CS without rants about insurance.
My Mrs, previously lived in London for 8 years. She didn't need a car to get about in central.
I gave her one of my cars.
Ran insurance quotes for each of us.
She has 0 NCB.
She hasn't been driving for nearly 10 years.
She is a little nervous, as expected, to be behind the steering wheel again.
Her insurance... Costs the same as mine. My experience, NCB clearly counts for shit 
Why? Why? Why?
Sexism, feminism, vegetarianism, fat shaming, discrimination 
[Edited on 03-12-2015 by R Lee]
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Jambo
Member
Registered: 8th Sep 01
Location: Maidenhead, Drives: VXR Arctic
User status: Offline
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That's a positive thing though right? Wouldn't you be more annoyed if they charged you more? 
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Steve
Premium Member
Registered: 30th Mar 02
Location: Worcestershire Drives: Defender
User status: Offline
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Always wondered how insurance can get away with charging less for females, I thought this was stopped now anyway?
Im sure there are stats that go against various ethnic minorities too, but they arent factored in, for obvious reasons, same should apply here
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Nic Barnes
Member
Registered: 5th Apr 04
Location: nowhere near ginger people
User status: Offline
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I did a quote on my girlfriends car, we are both the same age, clean licenses for over 10 years and no claims. Mine works out a good bit cheaper. Weird tbh.
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Ian
Site Administrator
Registered: 28th Aug 99
Location: Liverpool
User status: Online
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I thought gender differentiation was made illegal a while back?
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Ste
Premium Member
Registered: 5th Mar 03
Location: Taif, Saudi Arabia
User status: Offline
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Maybe your address is more of the deciding factor than the other things.
I would rather lose by a mile because i built my own car, than win by an inch because someone else built it for me.
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--ToM--
Member
Registered: 23rd Nov 07
Location: Wirral
User status: Offline
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E sure we're telling about some thing they do where they match no claims, so if you have been driving 10 years and have 10 years NCB and your misses has had a liscence for ten years but not driven a car and has 0 NCB, as long as they have held a liscence for the amount of time you have NCB they'll shadow your NCB to them aswell so you would both get 10 years NCB despite her actually having none, on this joint policy..... Apparently. They were telling me about it last week.
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gavin18787
Premium Member
Registered: 22nd Feb 05
Location: Basildon, Essex
User status: Offline
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quote:
Originally posted by Ian
I thought gender differentiation was made illegal a while back?
If its an online quote it would be interesting to change the gender and see if it is different....
Drives supercharged Tec with torque  
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Generation
Member
Registered: 7th Jul 09
Location: Essex
User status: Offline
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Why didn't just ask them outright?
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R Lee
Member
Registered: 15th Aug 03
User status: Offline
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quote:
Originally posted by Ste
Maybe your address is more of the deciding factor than the other things.
She lives with me.
The only major thing I see different, is occupation.
She works as a nurse, NHS. I run my own business. But still, in the eyes of insurance company, we're equals in our driving liability. what a kick in the teeth
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Ste
Premium Member
Registered: 5th Mar 03
Location: Taif, Saudi Arabia
User status: Offline
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That's what I mean, your address has the pricing factor on the policies.
I would rather lose by a mile because i built my own car, than win by an inch because someone else built it for me.
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Ian
Site Administrator
Registered: 28th Aug 99
Location: Liverpool
User status: Online
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Not if they both live in the same house.
Occupation is a piss take, lecturer was safe and cheap and every single other thing I've been since I left that job is more money.
I used to rush about in rush hour and now I pootle down empty roads at whatever time I please, and I'm paying more. Just commuted home half an hour ago, only pressed to brakes to stop at traffic lights, otherwise I'd be on cruise the whole way. Try doing that at 8am.
Significantly less risk to at least one of my cars because that only goes out now to chauffeur girls around at weekends. Guess what, that's more expensive as well.
Daft.
[Edited on 07-12-2015 by Ian]
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MatthewR
Member
Registered: 21st Oct 02
Location: Rickmansworth
User status: Offline
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I just moved house to a nicer area, i have a drive and garage now, was parked on street a good bit away from house previously - i got charged £30 to change address and no saving on my policy!!!
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