Summary

Car insurance can be cheaper if two people are on the policy rather than one - this article explains.

Car insurance. Two heads are better than one

Author: Emma Mayo

In this day and age, it's hard to live cheaply, but if you really try, then two people can live side by side for the cost of one person. So it comes as a surprise that with car insurance, it's possible for two people to be cheaper than just one person.

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Insurance companies all have their criteria based on where you live, how long you've been driving, your gender, and how many accidents you've had. Every insurer is different and that's why, when you get a quote, the premiums can vary wildly.

Some car insurers put safety first, and the insurer 'Privilege' is one of them. They have an 'insured and partner policy' which rewards safer drivers in long-term relationships { mortgage quotations }with lower premiums. Managing Director of Privilege, Ian Parker, describes the ethos behind it, saying: "The responsibility of being in a long-term relationship translates into safer driving".

These examples illustrate the savings to be made from having your partner on the policy:

Example 1 - A 38-year-old living in London SW2 { loans } with 5 years no claims looking for fully comprehensive cover on a 2001 Citroen Picasso would pay a yearly figure of £531.30. With his 37-year-old partner on the policy, the premium drops by £47.25 to £484.05.

Example 2 - A 37-year-old with the same car and other details but living in Tonbridge, Kent would be offered a premium of £270.90 for the year. With the addition of a 38-year-old man on the policy, the premiums falls by £21 to £249.90.

It's not just Privilege that offers this policy, many of the big name insurers do - although they don't publicise it that well.

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