time will be up soon on insurance,11 months have flown by and Shell has gained her 1 yncb

my upset face is cos..this time last year when i took the quote out the price for Me with 5yncb on the bravo alone was £692..Me and Shell on the focus(her with license 0 years) was £404..obviously there was interst on top due to paying monthly.

This year with shell being policy holder on the focus with 1ync and me as named driver with 6yncb comes to £539 :0
Me as policy holder and Shell as named driver on a 20vt coupe it comes to £754?? i got told to put shell on my car as itll be cheaper and use her as policy holder on the focus etc

i know insurance has gone up in the past 12 months but with me gainging another years free motoring and shell gaining her 1 years free motoring,it should have gone down...should it not?
i dont see the coupe being too bad,coming from me only on the bravo to me and shell on a coupe 20vt its an extra £70

Mike

MickeyBravo said:

i know insurance has gone up in the past 12 months but with me gainging another years free motoring and shell gaining her 1 years free motoring,it should have gone down...should it not?

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Not nessecarily. NCD is a % discount on the base premium. If the base premium has risen significantly, which like you have mentioned it unfortunatly has due to various factors, then even with the NCD your renewal can still be higher.

Its a common issue for a lot at the moment unfortunatly.

With regards to being named driver on the car you drive the most, even though your both a policy holder on each car because its not the one you drive the most its still fronting and fraudulant if done specifically to reduce your premiums.

Just speak to your insurance provider and see what they say first, as they may be ok with it, but always worth checking.

na im not a named driver on any car that i drive the most.Atm shell is the main driver on the focus and i drive it ocasionally. Im the only driver on the bravo..To renew they said its cheaper for shell to put the focus in her name this time as she has 1ync as she is main user and me occasional again,and her as occasional driver on the coupe(she wont be drivin it tho lol)

Anway,a mate recommended Brentacre. spoke to them and their price came to £669 fully comp (which is £100 less than admiral) and shell as occasional user,pretty good that i think.interest rate is 14% so looking at £57pm x10 an dep. of 167.

Only prob i got there is,if i go elsewhere and hav shell as policy holder on her car and add me,i wont be able to use my ncb :/
with Admiral they mirror it.

Do people live in a Media blackout or something. How have you missed the fact that Female insurance has been bought up to the same as male insurance which is a massive price hike for new driving women.