Car insurance quote - strange - but not complaining !

11 replies
Found 18th May 2010
Picking up my new car at the weekend so decided to run through a few insurance quotes online - see first post below for the outcome - you might be as surprised as I was !

11 Comments

Original Poster

Both quotes from Aviva

Quote A - Fully Comp - protected no claims - SDC + Employers full business use £415.00 p/a

Quote B - Fully Comp - protected no claims - SDC + Employers full business use + 1 named driver with 3 penalty points (SP30 speeding) £272.00 p/a

How old are you and how old is the named driver?

Original Poster

sickly sweet;8636773

How old are you and how old is the named driver?



Me 49 Mrs 47

sickly sweet;8636773

How old are you and how old is the named driver?



...and what make/model of car are you buying?

BFN,

fp.

[EDIT]: Your location, overnight storage of the vehicle, (manufacturer's) security fitted to the vehicle, and past claims history will also have bearing on the premium.

Also, is your annual mileage restricted?

Original Poster

fanpages;8636815

...and what make/model of car are you buying?BFN,fp.



Seat Leon FR TDI

zermattbusby;8636826

Seat Leon FR TDI



fanpages;8636815

[EDIT]: Your location, overnight storage of the vehicle, (manufacturer's) … [EDIT]: Your location, overnight storage of the vehicle, (manufacturer's) security fitted to the vehicle, and past claims history will also have bearing on the premium.Also, is your annual mileage restricted?



"New" as in less than 10 miles on the clock? Or new to you?

Plus, what is your business activity?

BFN,

fp.

used to work for aviva it will be cheaper because you have added on your wife!! they see you as a more reliable driver because of this!!x

Original Poster

branchinghenk;8636870

used to work for aviva it will be cheaper because you have added on your … used to work for aviva it will be cheaper because you have added on your wife!! they see you as a more reliable driver because of this!!x



lol If they only new how my wife drives it would be more like £1000.00 + ! seriously though i'm amazed they give a big discount for adding on a driver, especially with a conviction I thought it would of been way more than the policy holder only quote

whatsThePoint;8636967

If theres 2 names drivers one of you can't be driving it all the time so … If theres 2 names drivers one of you can't be driving it all the time so ½ the risk :?



...One of you with the existing speeding conviction could be racking up the points to result in a ban in their own vehicle & leave the vehicle uninsured.

I don't think it is as simple as halving the premium. If the other driver does not drive for 364 out of 365 days of the year, there is an increased risk on the single day they do drive that vehicle.

BFN,

fp.

branchinghenk;8636870

used to work for aviva it will be cheaper because you have added on your … used to work for aviva it will be cheaper because you have added on your wife!! they see you as a more reliable driver because of this!!x



sooo right, My husbands went down when he added me! LOL

Very confused with Aviva; did online quote for son (18, been driving 10 mths on full licence ) with me and spouse as named drivers, in a Peug 106, quoted £3600. Rang them and as I already have 2 policies with them they offered another policy in my name including wife as named and son as MAIN driver (not just a named driver) for £940. Snapped his hand off! Received docs and he is def the Main driver on policy.
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