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Age groups skew car insurance statistics

Regarding your recent article headlined, "Now NI drivers pay 17% more to insure their car than they did a year ago", I am sure many readers, like myself, were surprised the average premium is £943.

I suspect this number is skewed by elementary-level statistics. The 17 to 20-year-old male, who pays on average £2,430, drives up the average price for everyone.

As insurance premiums come down rapidly with age (I paid £1,600 for my first year on a 1.2 litre Clio and £450 this year for a similar car), a better measure would be to quote the average premium for those over 25. This would be a truer reflection of what premiums most people pay, rather than the average that in reality much less people will likely pay. Besides, who wants to be average?

kyle flanagan

By email

Belfast Telegraph