A quick insurance question.

[Blib]

Why do car insurers want to know whether the applicant is divorced?

[Madkat]

Probably for the same reason they want to know if your married. IMO got something to do with responsibility and routine. Dunno if that's right though.

[Blib]

I'm sure my driving didn't change the day after my divorce came through.

[jeremyc]

Blib said:

I'm sure my driving didn't change the day after my divorce came through.

Nor did it change the day after your birthday, but they still want to know your age.

[Blib]

jeremyc said:

Blib said:

I'm sure my driving didn't change the day after my divorce came through.

Nor did it change the day after your birthday, but they still want to know your age.

That's not the same though, is it? Age could be a factor in accidents. But, marital status?

[jeremyc]

Blib said:

jeremyc said:

Blib said:

I'm sure my driving didn't change the day after my divorce came through.

Nor did it change the day after your birthday, but they still want to know your age.

That's not the same though, is it? Age could be a factor in accidents. But, marital status?

I'm sure the insurers could provide you with all kinds of statistics on how risk changes depending on whether you are single, married, divorced or a widower.

Just as they have for age, job title, home address and the type of vehicle you wish to insure.

[Blib]

jeremyc said:

'm sure the insurers could provide you with all kinds of statistics on how risk changes depending on whether you are single, married, divorced or a widower.

Just as they have for age, job title, home address and the type of vehicle you wish to insure.

Once again, I get how age, job title, address and vehicle can have a definite effect on insurance risk. Marital status? Gimme a break!

[jeremyc]

Bottom line is that you have asked them to assess the risk of insuring you and provide a quote: they can ask you whatever they want to decide how much they should charge.

There are plenty of insurers out there - move on to another if you don't want Mrs. Blib finding out about your sordid past.

[SS2.]

Blib said:

Why do car insurers want to know whether the applicant is divorced?

ISTR reading that it's simply because couples have a lower accident rate than singles..

[Blib]

Every insurer asks this question. It doesn't bother me either way. I'm just curious as to the reason and so far, it seems that the reason is "because".

I wonder how much I can save if I'm a widower? Maybe it would be worth it, financially, for the present Mrs Blib to suffer an unfortunate "trip" down the stairs?

[Blib]

SS2. said:

Blib said:

Why do car insurers want to know whether the applicant is divorced?

ISTR reading that it's simply because couples have a lower accident rate than singles..

What if I live with someone but, I'm not married to them? Am I a better or a worse risk? Should I marry them to save a few quid?

[Toaster Pilot]

This might have something to do with it http://www.pistonheads.com/gassing/topic.asp?h=0&a...

[SS2.]

Blib said:

What if I live with someone but, I'm not married to them? Am I a better or a worse risk? Should I marry them to save a few quid?

Your insurer would be much better placed than me to answer those questions..

Info..

Edited by SS2. on Monday 10th February 10:10