This is why I find it interesting - I agree that I'd be a higher risk for the car getting nicked or written off due to my location, age and how old the car is (no immobiliser etc).
But these seem to be mostly risks on my side - I'm looking for third party only, so I would have thought the actuaries would only be interested in factors that impact how likely I am to hit another car (they are only insuring me for damage to the other person's car).
The two relevant ones I can think of would be:
- How fast is the car (SLOW)
- Driver age (youngish.. but not a P plater or anything).
Really looks like the risk flattens out a lot after 4 years of driving, so I'm surprised the age thing would still be such a factor in a premium.
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Anyway, guess I'll shop around a bit more and then just suck it up.