AA renewal prices depend on age of applicant!

[NickCLotus]

Just discovered that the AA are basing renewal cost on the age of the applicant! It is cheaper for me if I renew in the name of my neighbour accross the road who is a few years younger than me.

Edited by NickCLotus on Tuesday 27th May 20:30

[TheDrownedApe]

Hmm never thought of this before. I'm assuming same name, address, everything except age.

Do they think that the older the more likely to maintain their vehicle?

My lads AA is due fro renewal soon and never likely to renew due to the 3x cost I will look at "fronting" his recovery this time when i get quotes.

Thanks

[Sheepshanks]

NickCLotus said:

Just discovered that the AA are basing renewal cost on the age of the applicant! It is cheaper for me if I renew in the name of my neighbour accross the road who is a few years younger than me.

What happens if you use your name but change your DOB?

[Gavin0478]

May i suggest you look elsewhere for breakdown cover. The comparison sites now offer this and including homestart and key cover for 2 cars and 2 drivers it was more than half the price of AA for one.

[DavePanda]

That's nothing, when i moved house Green Flag increased the premium because more people breakdown in the area Why should that effect me who has never broken down in 30 years

[georgeyboy12345]

TheDrownedApe said:

Hmm never thought of this before. I'm assuming same name, address, everything except age.

Do they think that the older the more likely to maintain their vehicle?

My lads AA is due fro renewal soon and never likely to renew due to the 3x cost I will look at "fronting" his recovery this time when i get quotes.

Thanks

No, my neighbour has a Lexus RX450h and I drive a diesel Range Rover Evoque.

[anonymous-user]

DavePanda said:

That's nothing, when i moved house Green Flag increased the premium because more people breakdown in the area Why should that effect me who has never broken down in 30 years

The same reason your car insurance goes up if you moved to an area more prone to car theft, or your home insurance would if you moved somewhere common for flooding.

Breakdown cover is essentially just an insurance policy, scaling prices dependent on the perceived risk.

[Alickadoo]

Add car breakdown cover to your house insurance when you renew. Cheap as chips.

[Lester H]

Gavin0478 said:

May i suggest you look elsewhere for breakdown cover. The comparison sites now offer this and including homestart and key cover for 2 cars and 2 drivers it was more than half the price of AA for one.

If you have left the AA, there are, regularly, ads in the ‘posh’ weekend papers for discounted offers. They appear to be genuine. The problem with some providers is that they rescue your vehicle to home but do not do any roadside repairs . One has a £25 add- on to be paid to the rescue driver if the car is over a certain age. Because of the faffing about involved, the big names can be a better bet.

[s94wht]

Rat_Fink_67 said:

The same reason your car insurance goes up if you moved to an area more prone to car theft, or your home insurance would if you moved somewhere common for flooding.

Breakdown cover is essentially just an insurance policy, scaling prices dependent on the perceived risk.

Right, but where you live doesn't affect the reliability of your car. Unless he's moved to the South Pole or something.

[NickCLotus]

Sheepshanks said:

What happens if you use your name but change your DOB?

Just tried and it is cheaper

[Pica-Pica]

Use StartRescue. A small annual fee, then a £30 excess per call out. I use that, I last called someone out several decades ago.

[Funky Squirrel]

s94wht said:

Right, but where you live doesn't affect the reliability of your car. Unless he's moved to the South Pole or something.

It certainly does, most journeys are within 20 miles of your home. Live in an area with potholes, speed ramps, large hills etc more claims, higher risk.

[phil4]

I thought they were prevented from changing price (at least for car insurance) based on gender... since age is also one of the "protected characteristics" you're not allowed to discriminate on, I wonder how they're getting around that.

[richhead]

georgeyboy12345 said:

No, my neighbour has a Lexus RX450h and I drive a diesel Range Rover Evoque.

Wild guess but this is more likely why your quote was higher.

[Krikkit]

phil4 said:

I thought they were prevented from changing price (at least for car insurance) based on gender... since age is also one of the "protected characteristics" you're not allowed to discriminate on, I wonder how they're getting around that.

In UK law they can only discriminate on things like age, gender etc where there's no provable evidence of it being a significant factor in risk.

The European courts ruled that gender discrimination was unlawful, so that superceded it.

[Sheepshanks]

phil4 said:

I thought they were prevented from changing price (at least for car insurance) based on gender... since age is also one of the "protected characteristics" you're not allowed to discriminate on, I wonder how they're getting around that.

That can’t be right otherwise car insurance wouldn’t be dear for youngsters. And very old people - indeed many insurers won’t cover old people at all.

[dhutch]

phil4 said:

I thought they were prevented from changing price (at least for car insurance) based on gender... since age is also one of the "protected characteristics" you're not allowed to discriminate on, I wonder how they're getting around that.

aholes?

[anonymous-user]

s94wht said:

Right, but where you live doesn't affect the reliability of your car. Unless he's moved to the South Pole or something.

But, if statistically there are a higher concentration of breakdowns within a certain postcode area, then that's the data they're going to work from.

It's not witchcraft, it's death by data, like everything else nowadays.

[georgeyboy12345]

richhead said:

georgeyboy12345 said:

No, my neighbour has a Lexus RX450h and I drive a diesel Range Rover Evoque.

Wild guess but this is more likely why your quote was higher.