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#1 31-01-15 21:50:42

Triplea35
Verified Member
Registered: 28-09-12
Posts: 500

Strange insurance quotations!

Just been online renewing insurance for my  22yr old son. Not too bad a quote considering he works in the licensed Hotel trade.

However when 'playing' with the quote using various options.

Having his car on the driveway overnight rather than in the garage was £40 cheaper!

Increasing the voluntary excess beyond £300 the premium started to increase! Agree to pay the maximum option of £1000 excess and the premium again was around £40 more!

Can't work it out, can anyone think of any logical explanation?

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31-01-15 21:50:42

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Re: Strange insurance quotations!



#2 31-01-15 22:42:08

Mentor
Verified Member
Registered: 22-10-05
Posts: 374

Re: Strange insurance quotations!

The car in the garage has a higher risk from fire and so the premium is higher. The excess is just down to optimising the quote to be competitive with other insurers.

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#3 02-02-15 13:36:20

TDAScott
Member
From: Liverpool
Registered: 23-12-14
Posts: 33
Website

Re: Strange insurance quotations!

try the car on the road instead of driveway -

Insurance logic -

On the road - more chance of damaged but less chance of being stolen (don't know what house)
On the drive - more chance of being stolen
In the garage - the garage may fall down and write car off

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#4 10-06-16 15:28:54

wepayanyexcess
Member
From: Southport
Registered: 10-06-16
Posts: 4
Website

Re: Strange insurance quotations!

If the excess creeps up too high compared to the value of the vehicle there is a greater chance of there being a total loss claim, which is likely to cost them more money than a repair.

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