This might already be known to some, but it was news to me. Just called my insurer (Tescos) to inform them of change in car. Thought I'd put my partner on the insurance at the same time. Never had my partner on the policy before so I was surprised when they quoted a lower price than insuring just myself. I expected it to be more. I queried this and apparently a partner/wife on the policy means the vehicle is for family use and less risky than just a single driver on the policy. Whereas named driver would make it more expensive than just myself.
Is this usual for all insurers, or is it just Tescos?
Cheers,
Dave
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Applies to most Ins Co.
Reverse has alsohappened when the ploicyholder has been widowed - price of policy went up.
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Yes, normal and can be quite a substantial reduction.
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A colleague puts his non-driving wife on his insurance for that reason.
She has got a licence but is too scared to drive basically.
Sorry reply ended on wrong thread.
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What happens if you have a partner, but dont live together i.e your addresses are different? This is my case prior to getting married. Surely you should be able to get the same discount as the relationship is exactly the same.
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Most of the quotation forms I've seen (just renewed for Mrs dB's Fabia, so this is fresh in my mind) is that you nominate the additional driver and then specify the relationship - I've seen choices like 'Spouse', 'Partner' and 'Other'. So that ought to cover the off-site partner situation. I've no idea whether you pay extra for a partner vs a spouse.
A curious aside to this, I was renewing our annual travel insurance policy a few years ago. We went through the figures, got to a premium, when I mentioned that we had two children - in other words, that the policy was to cover four people rather than two. The premium dropped sharply - by 20% or so, IIRC.
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My kids cars are both insured with Admiral and it's well know with them that adding an older driver knocks quite a chunk off the premium.
Another wierd thing they (Admiral) did was to *reduce* the premium and pay a refund when one of the girls added business use to her SD&P cover mid-year.
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davidh,
I'd check that not living together still qualifies as partner for the insurers. I thought 'partner' generally means you live together? You don't want to be thinking your partner is insured then find out otherwise when it matters.
Dave
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My insurance is up for renewal shortly, and my other half is thinking of learning to drive, she currently has a provisional licence.
Strangely adding her with only a provisional actually reduced some of the quotes I was getting (okay only by £2 or so but still).
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Adding my parents to my policy reduced it from circa £1500 to £1100.
Downside is Dad keeps borrowing it now.
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I must be the exception to this rule. When I enquired about adding the ex Mrs W to my policy, purely for convenience, the premium was double mine as sole driver. Needless to say she won't be driving the car, ever.
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My insurance is with Sainsbury's and it was about £50 cheaper to include soon to be ex-spouse even with his 6 points for speeding and recent claims, than it was for me (nul points and no claims) to be the sole driver. I thought it was a bit barmy, but happily accepted the lower premium.
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