Insurance Question
Discussion
Daughter has just used a comparison site to get an idea on her future insurance cost for a specific car. She has 3 years no claims and did the first quote with no voluntary excess. So I told her to re submit it with £150 excess and also add her Mother (53yr old, clean record for 30 years driving, never claimed and full no claims bonus on her car) to see if it brought it down, no, with Admiral it increased by £51, why?
Come on now Loon, make your replies a bit shorter! 
To expand a little on that, the risk profiles the insurance companies have are adjusted regularly, and take account of any trends in buying insurance, such as adding older relatives. It may well be that for Admiral, the young people (since sex discrimination isn't allowed any more) that add their older relatives to the insurance and plump for higher excesses are more likely to put their car into a hedge backwards.
To expand a little on that, the risk profiles the insurance companies have are adjusted regularly, and take account of any trends in buying insurance, such as adding older relatives. It may well be that for Admiral, the young people (since sex discrimination isn't allowed any more) that add their older relatives to the insurance and plump for higher excesses are more likely to put their car into a hedge backwards.
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