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Bonus/Malus Question - the other half?!


Crevette

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I am in the process of changing insurance and after a few years of having my wife on the contract as a names driver I wanted to move her to the new contract but was told that it wasn't necessary as she was an "infrequent" driver (by this, they said less than 1 time a week).

Apparantly I will pay a smaller premium because of this, but if there is an accident when she is driving then the compulasry costs are higher...

At the moment she "seems" to have a bonus/maus of .8. I say this because they have given her the same bonus/malus as me (although as far as I am aware she never had to justify this). I was wondering how bonus/maluses work for partners. If they are named as a driver on the contract do they benefit as well from not having an accident by getting a better bonus/malus as well? Does it affect your premium if the bonus/malus is better or worse than yours?

Any info much appreciated.

Thanks,

-Rob-

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