Regardless of your driving record, most insurers will provide a renewal quote that is higher than the previous year, although 41% is very large increase. We would always recommend getting new quotes at renewal time rather than relying on your existing insurer, even though it is appealing to stay with the same insurer.

Generally speaking, adding a second driver to your policy will only reduce your premium if they are seen as a lower-risk driver than you. In this case we would suspect that, in spite of your no-claims bonus and low mileage, your age means you are seen as a higher risk. Drivers in their 50s and 60s are seen as the lowest risk of all age groups, while drivers in their 70s will see their premiums go up with many insurers, and again past the age of 80.