no fault auto insurance

Parents who pick up baby books usually look into a name’s meaning, or perhaps they pluck out a celebrity name for their offspring. However, now they have a new consideration - how that name is likely to affect their child’s car insurance premiums.

Research from a comparison website shows there can be a massive difference in driving convictions dependent on a person’s name. For example, the names James and William, two of the top ten most popular boys’ names for babies, are among the most reckless drivers in Britain with nearly one in five having driving convictions. By contrast, the names Joshua and Alfie, which also feature in the boys’ names top ten, have a mere nine per cent and six per cent of driving convictions respectively.

By contrast, girls are more careful. Ella is the name with the most driving convictions - more than one in ten - but parents who name their daughter Chloe have little to worry about as less than six per cent have driving convictions to their name.

So should a name be taken into consideration when examining car insurance premiums?

Of course that idea is farcical but the fact is that the James and Williams of the world will face higher premiums based on the number of convictions they have. Some car insurance providers are willing to turn a blind eye to one speeding offence but nearly all will clampdown heavily on two or more offences. Some insurers even increase premiums by 74 per cent.

The message is that whatever name you have you must take more care when driving - plan your route, allow extra time and take all hazards into consideration including the weather.

Fewer accidents and convictions mean cheap car insurance. If you have a conviction and are being penalised, see if an alternative car insurance provider would treat you differently.

no fault auto insurance