Has anyone submitted their details as yet? As with the "real mpg" initiative, I think there's a very subjective feel to it, as (similar to the mpg one not including driving style and the type of driving you do [town, motorways, etc], which can often account for a large variation in mpg on cars) it does not include the following:-
- Whether you use the vehicle for business purposes (either travelling to meetings, etc, or [more importantly] as a tradeperson [which supposedly bumps up the premium A LOT more]);
- What your excesses (both compulsary and voluntary) are - this obviously can make a huge difference to the headline price, which at the moment is the only one the survey goes by;
- Any "add-ons" to the policy, such as medical, legal and breakdown cover, which people might forget to remove (if they are given what they are on the policy document);
- Whether payment is one annual charge or in installments, which can increase the cost by more than 10% if memory serves.
This all adds up to not getting the most accurate picture, which, like with the current tyre ratings, rather muddies the water in my view than gives some clarity.
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