Car insurance - a question

barmpot

LOTSW Fanatic
Unfortunately my wife has had to return her driving licence to Swansea for medical reasons; the intriguing fact being that I have been asked for an extra £51.64 in premium because as the only driver I am a greater risk.

How can I be a greater risk? Any actuarial experts out there?

She had not driven for over six months and the car usage is not going to change, my driving will not alter . My son does not have a licence so can not put him on either, but he would be too young anyway!

Am I suddenly going to develop boy racer tendencies because no one else is sharing the driving?

I can not help feel that I am missing something here.

The whole event was not helped by the individual at the other end of the telephone keep telling me "he could see where I was coming from" but not really answering the question as to why. I suspect that he was using a script which they hope will not irritate the customers too much - trouble is it did not work! Obviously he did not know so who does?
 
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