Ok I don't udersrtand why for car insurance!?

Question

I add my own details on car insurance, no accidemts etc and my quote is £190. i add my partner as an extra driver with a speeding fine and it goes down to £152

Answer 1

Yes it does seem odd. My job is selling car insurance and you will find that if you add your partner some companies offer spouse discounts..If you are living with a partner you are deemed safer than if you are a single male. Claims history will show that more single males have accidents than somebody living with a partner. Hence you have a cheaper qte.

Answer 2

normally pouting additional lady driver it is few £ cheap but in this case it is lot cheaper as the conviction is near 5 years .

The risk of you driving is less with two drivers as the female is driving nearly 50 % or about.Some companies give discount for lady drivers but only husband and wife but not to brother and sister or any other relations.

Answer 3

you can not add your own details for insurance. sounds like you are quoteing libality insurance which is set by the state that you are in,