Divorced or single drivers can pay more than a quarter more than couple, Which? has discovered.
A survey of leading insurers revealed that eight out of 12 providers varied premiums according to the marital status of the driver. In some cases the price difference was considerable. RAC charged a 27-year-old divorced or dissolved man 28% more than a cohabiting or partnered motorist, while both More Than and RIAS quoted premiums that differed by as much as 10%.
A choice of marital status descriptions
Which? also found that where drivers were given a choice of how to describe their marital status, making the wrong choice could add to the premium, and that selecting ‘not disclosed’ on a Co-operative quote rather than single would cause their premium to rise by £2.
Seven of the eight insurers to differentiate on marital status put the differences down to their claims experience, but could not be more specific.
No clear explanation
Which? car insurance expert Dean Sobers said: ‘We were surprised to find that marital status would affect what a driver would pay. We really can’t explain why this would be the case, but then again, apparently neither can the insurers.
‘The confused messages we got make it all the more important to shop around for insurance and think carefully when filling in quote forms.’