spent a while yesterday trying to get additional car insurance on a 20+yr old subaru for member of family who has very recently passed driving test.
so go online on compare market and on several insurance company specific web sites and provide following info as input to their decision system:
1. car registration
2. existing insurance info
3. new driver license info
from the above, most (not all) the companies used the DVLA to verify car model/miles per year (via MOT at DVLA) and status of insurance and correct info about new driver...
so all ok (can obviously try making up other cars, but hard to fake driver:)
so outputs were mostly no - including existing insurance company, who said would add new driver after 6 months, but due to car's engine size (leaking quite a lot of info) they couldn't add a recently passed driver this is slightly weird as the car we got was bought because it ranked as safest car n class by AA and others:) - they and two other outfits said no problem if we got a smaller car (suggesting less safe vehicles:(
tried various other types of insurance - e.g. car-sharing (borrow) allegedly targetted at students coming home in vacation borrowing parents car - and pay-as-you-drive - all said no
so then ran a compare market on new driver insurance from sratch and got a couple of genuine offers- in fact, not completely mad prices either, if we're prepared to do a whole year (we are) ...(still with fact insured party isn't car owner or keeper, but is in the family)
so the range of prices is probably a proxy for the risk level the insurance companies will tolerate (I assume they all have pretty much the same actuarial data on accident/theft rate with age, gender, car model/age, location, use of car,and other stuff they obviously gather....
privacy tech/statements from most of the website/forms/companies was pretty decent...
so go online on compare market and on several insurance company specific web sites and provide following info as input to their decision system:
1. car registration
2. existing insurance info
3. new driver license info
from the above, most (not all) the companies used the DVLA to verify car model/miles per year (via MOT at DVLA) and status of insurance and correct info about new driver...
so all ok (can obviously try making up other cars, but hard to fake driver:)
so outputs were mostly no - including existing insurance company, who said would add new driver after 6 months, but due to car's engine size (leaking quite a lot of info) they couldn't add a recently passed driver this is slightly weird as the car we got was bought because it ranked as safest car n class by AA and others:) - they and two other outfits said no problem if we got a smaller car (suggesting less safe vehicles:(
tried various other types of insurance - e.g. car-sharing (borrow) allegedly targetted at students coming home in vacation borrowing parents car - and pay-as-you-drive - all said no
so then ran a compare market on new driver insurance from sratch and got a couple of genuine offers- in fact, not completely mad prices either, if we're prepared to do a whole year (we are) ...(still with fact insured party isn't car owner or keeper, but is in the family)
so the range of prices is probably a proxy for the risk level the insurance companies will tolerate (I assume they all have pretty much the same actuarial data on accident/theft rate with age, gender, car model/age, location, use of car,and other stuff they obviously gather....
privacy tech/statements from most of the website/forms/companies was pretty decent...
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