Insurance Question

fifomania

Renewed my insurance last week. The person in the insurance company asked me if I'd anyone I'd like to include in the insurance, i.e. a boyfriend/husband, as it would dramatically cut my insurance. I said I suppose I could put my BF on it.
Today I was told by someone that I shouldn't've put him on it because he has penalty points. Is this true? What problems could this cause for me? Should I take him off it?
Thanks

B00MSTICK

If it works out cheaper for you then go for it. He doesn't even have to drive it if you don't want him to. There won't be any problems unless he crashes as it'll be your NCD that takes the hit.

It is strange that adding a male to your policy would reduce the premium though, as men are higher risk then women.

Heroditas

B00MSTICK wrote: »

It is strange that adding a male to your policy would reduce the premium though, as men are higher risk then women.

It happened with my fiancée when she got her new car. Her policy jumped but when she added me, it went down lower than the previous one.
She's also been driving longer than me

B00MSTICK

indeed! Good for ye though

Eric Cartman

B00MSTICK wrote: »

If it works out cheaper for you then go for it. He doesn't even have to drive it if you don't want him to. There won't be any problems unless he crashes as it'll be your NCD that takes the hit.

It is strange that adding a male to your policy would reduce the premium though, as men are unfairly considered higher risk then women by insurance companies.

fixed that for you

B00MSTICK

cartman wrote:

fixed that for you

Preaching to the choir man, I'm expecting my insurance to jump a least €200 even after another claim free year/another year experience.

I'm just stating it how they see it. IIRC men do cause the majority of the high value accidents, yes women may have 20 dents from hitting cars at low speeds but its the men that do the most financial damage.

Or that's what I tell myself to stop going red with rage.

Anan1

To be fair, men are higher risk than women. Although whether profiling by sex is acceptable is a different matter.

Zube

B00MSTICK wrote: »

women may have 20 dents from hitting cars at low speeds but its the men that do the most financial damage.

Dents don't matter. Cars don't matter. What matters is the dude in hospital, who can't work, get out of bed or even feed himself for the next 60 years. He costs the insurance real money.