Car insurance question

A bit off topic but my neighbour took his wife off his polcy on renewal yes no problem sir this will increase the price by £50 

What the 

Well that is an easy one, my wife is always telling me to slow down. So if she wasn't there it would certainly increase my risk

A bit off topic but my neighbour took his wife off his polcy on renewal yes no problem sir this will increase the price by £50 

What the 

Put myself on my daughters policy and the cost came down by £220 a year!

Ford295, they are trying to con you, I have a Sorento and a few weeks ago notified my insurance about the towbar I have had fitted. They said thanks for letting us know, there is no extra charge to my premium. I am with Royal Sun Alliance.

Many quote MORE for 3rd-Party-Only than for Fully-Comp.

Apparantly those who request 3rd Party (thinking it will be the cheapest) are statistically the higher risk.

My Mondeo insurance renewal arrived from Direct Line recently. I went on to them stating the increase  from last year was more than I thought reasonable. Spoke to Loyalty Dept., and received a reduction of the annual premium of £28. It is always worthwhile to try negotiating .

Wonder how they would view a factory fit towbar which is not classed as a modification.

Anything that is not in the standard spec is a modification. A factory fit towbar is a modification because it is an extra, the fact it was fitted by the manufacturer at the end of the line makes no difference.