Insurance - What are my key premium drivers?

[Dippy]

I just got my renewal through. No problems, it is down again on last year. Neverthless I did a quick online check. Elephant were £100 more for same parameters and Privilege were only £100 less but that's for an unmodified car. So I think I'll renew again.

However I still feel that there is something about my situation which commands a high premium compared to the figures that other people have mentioned.

The Privilege online quote is a good indicator because it did not cover mods. I played around with the options to get the cheapest, so it had no legal protection, no NCB protection and no car hire. I also dialled in the maximum voluntary excess of £200 (compulsory £250). I have a clean license with no accidents (max NCB), no named additional drivers, and the car is garaged overnight. I am 39 years old.

The premium still comes to £710.

So what is keeping it high? The only thing I can think of is my postcode. However I live on the very west edge of Reading (I can see green-belt over my fence) in an area where the average house price is around £400K, and we don't have much crime (I know because we get neighbourhood watch info).

[JohnW]

No idea mate, but try getting a quote with your wife as a named driver. I have discovered in the past that this REDUCED my premium.
Go figure...

[Ruical]

Totally agree with JohnW,

When I went to renew, I tried all the options and believe it or not, it was more than £150 cheaper with my wife (almost Ex, who will NEVER drive it! ) down as a named driver ????

As John says, go figure....

[toasty]

Same here, and this isn't a lie, my wife reduced my premium by £400 and I don't mean she made me sell the car!!!

I guess it depends on lots of things but my wife is a little older than me and a teacher, so I guess the insurance companies think she's a safe bet.... and yes she never drove it either!!

[RobertH]

Ours - £500 plus a few quid for something. Standard car. Sold by the man with the Trunk.....

Robert.

[Scotty]

I think it's random!!

All part of Admiral :

Elephant £1296
Admiral £915
Diamond £826

(It's in the wife's name)

[kcsun]

Still paying £1700 with NU wife and all mods listed!

kc