Car 1 (Touran) is worth twice as much, bigger, higher power, higher insurance group, does 20k miles a year, insured for business, commuting and social.
Car 2 (Yaris) – 4k miles a year, commuting and social, has a friend (a retired church minister) added as an extra driver.
But insurance is more, significantly more, even on a shared policy….?

There’s a massive risk of your friend being beamed up from behind the wheel when the rapture comes and the car would be totally out of control

(as everyone knows, acts of god are not covered)

Fair point.. 😉

The insurance company are not insuring for risk, they are insuring based on taste.

Insurance is just like bike manufacturers.

They all have their own data, and evaluate the risks individually. Orange think single pivot is the best all round compromise. Your insurer thinks it knows more about the risks of how Touran drivers drive, compared to its claims frequency on them. It might be a higher risk, but per pound earned, it pays less out in compo.

Young kids drive Yaris’s, and when they have an off, all their mates get “whiplash” these days. PErhaps mature’r Touran drivers passengers are less likely. Small car = Santa Cruz VPP including frequent bearing failure.

Stats. If more young people drive Yarises and they crash more being young, then their analysis shows that Yaris drivers are less safe.

Stupid innit.

*heads off to buy huuuge Jag*