There aren't many financial benefits to being married, but you may be interested to learn that saving on your car insurance could be one of them!
Well insurers love statistics, and as the statistical data suggests; married people are less likely to be injured in a car accident. There could be a number of logical reasons for this, such as married couples possibly spending longer at home together, or married people driving more cautiously. Of course both suggestions are ridiculous and would need to be assessed on an individual case basis. However, when it comes to insurance it's statistics that count, and the trends undeniably show married people to be less at risk, so why not take advantage of it?
Who offers it?
Most insurers will offer this type of discount, if you've recently got married, make sure to inform your provider so they can adjust your premium. There may be exclusions or price differences for certain areas, but this will also vary by supplier.
Do I need to provide proof?
Generally you don't need to provide proof of marriage, but the marriage certificate would be adequate for an provides that request it. Naturally both partners will need to be listed on the same policy, but this could actually lead to further savings if you get a provider that offers a multi car discount.
My insurer doesn't offer it, should I switch?
Before you can answer this you need to assess how much you're paying in total, as this is a better indicator as to if you have a good deal – rather than the amount of discounts you receive. If your policy is soon due for renewal it may be worth looking at some quotes from other providers to see if you can get a better deal anyway. Take a look at our guide '10 Ways to Reduce Your Car Insurance', and other car insurance guides for more information on getting the best insurance deal.
Does it apply for motorbike insurance?
Despite the potential for motorbike accidents to be far more severe, the statistics also back up the notion that married motorbike riders are at less risk of injury than unmarried riders. In fact more providers have this discount included in their motorbike policies than car policies, and as a result you may find it easier to have applied