Spitting feathers

I would be cross as well. How can one driver instead of two increase a premium!

That's all the thanks you get now for being truthful !
Life doesn't work like that any more.

Adding another driver often reduces the premium.

It does, and sometimes it makes no sense. We found that even adding someone who's got a bad driving record can reduce the premium.

I added a driver and my premium increased by about £80- cannot win.

I experienced the same when my husband died.

The assumption (I think) is that if you estimate that the annual mileage will be say 10,000, then two drivers will do 5000 each. One may be a better driver than the other and that will effectively halve the risk of a claim.

I was advised, by the insurance company to nominate someone, anyone who agrees to it and is perceived to be a good risk, to be the second driver even though they may never use the car.

I've had a randomly nominated friend on my policy ever since. Each year when I renew, and it's been the same when I have changed insurers, all they ask is whether the named person has made any claims. In all these years, no-one has asked me how we share the mileage.

It's a silly rule and yet another example of how single people are militated against.

Tanith how ridiculous that is. I do hope you change insurers and get someone to agree to be (nominally) a second driver. I had no idea it worked like that. Sorry, too, about the prang. It’s a lot of hassle.

Yes, DS added us to his insurance to reduce his premium

DD added me to her policy which brought the cost down - that's understandable as she was quite young and I was an experienced driver with a no claims discount.

However, I cannot understand the reasoning behind yours going up in price tanith.

DHs insurance was CHEAPER with me on it too. So I was insured on a second car that I never drove (I drove my own car) to save money.

I don't understand the logic, but it was the case for us too!

Maybe the assumption is that a couple who share a car will take turns and not let one driver get too tired on longer journeys?? I can't think what else it could be??

When I changed our car insurance (because DH had been forced to return his licence) to make me the sole rather than 2nd named driver, the premium went DOWN by £65. I asked why and was told it was because I am 7 years younger than DH, putting me in a different age bracket.

My late dad found that adding me or my brother to his policy as second drivers reduced the premium, even though we both lived well over a hundred miles away from him. Crazy!

When I had my scooter (2 wheeled one not mobility)

my insurance was £40 higher because I had to put I was a widow, out of curiosity I tried it and left it as I was Married and it went back down!

Also was higher when I didnt have a job.

I really dont understand the way insurances work(apart from them trying to wriggle out of everything) and thats goes for house insurance/car insurance in fact anything.

I really don't understand insurance, either, but as my sister's husband has recently passed away, I think she will come up against this problem. I will pass on your comments re adding a second driver to the policy. Thank you, and I hope you find a cheaper option Tanith.

Thanks everyone I did go to compare the market and put all my details in and guess what the top recommendation was the same company and it was only a few quid cheaper than my quote so now I’m a bit confused.com ???

Sorry I forgot that would post a link seriously I didn’t mean to.

dare we follow the link?

I know years ago when tried to take my husband off my policy as he didn't drive my car, it also meant that the premiums would go up. Needless to say I left it alone.

Tanith it’s worth phoning the company and telling them about their online quote. I did that with Saga and they matched it. Of course you may be too cross with them to remain. ?

Insurance is a nightmare !! I was horrified to find out my premium went up once I retired !! I, foolishly, expected it to go down as I was driving less - silly me !!

If there is only one driver the risk is all with you and that is what insurance is about the risk factor.
If you do a quote online you get an internet discount.
If you retire or are unemployed theoretically you have more time to be out and about driving.

Mine went up when I discovered and wanted husband taking off of policy. The woman just leave him on. I decided against this.

I had no points on my licence my hubby had 3, my premium was nearly £100 cheaper with him on as a named driver. Ridiculous.