Car Insurance Quote Question, Which Year Did You Get Your Licence?

zorodluffy on 24/03/2024 - 15:38
Last edited 24/03/2024 - 15:49 by 2 other users

Hi there.

I'm seeing how much it is to insure my car for my partner, when getting a quote, they ask when did you get your driving licence. It doesn't specify Australian driver's licence, or one from another country.

If I were to put 2023 (the year she got her Aussie licence), the quote is $1.5k. If I were to put before 2020 (as she got her licence in her own country before 2020), the quote is $900.

Since it only asks for what year she got her driving licence, rather than Australian driving licence, what do you guys reckon about putting before 2020?

Automotive Car Insurance Insurance

Comments

  • Hybroid on 24/03/2024 - 15:53
    +13

    I base the answer on when I got my original UK driving license in 2006, not when it was converted to an Australian one in 2022.

    Call the insurance company you are signing up with and double confirm though. You don't want to get stuck later on if they have a different interpretation.

    • freefall101 on 24/03/2024 - 19:27
      +9

      Call the insurance company

      What kind of lunacy is this?

    • HeWhoKnows on 25/03/2024 - 07:45
      +1

      Correct!

      They want to know you driving history and experience.

      It matters not where this was gained.

      But also Australian drivers licenses dont show the year in which your license was obtained nor years of driving experience.
      Im not sure what documentation they could demand to see if you where asked to prove this, other than your age.

      So really its a case of an honest reply.

      • jackspratt on 25/03/2024 - 14:20

        But also Australian drivers licenses dont show the year in which your license was obtained…..

        My WA licence does.

  • BOGOF on 24/03/2024 - 16:29
    +2

    I've always answered on when I got my first license, which was the UK.

  • MS Paint on 24/03/2024 - 16:56
    +1

    I think the question is looking for years of fully licensed experience so I would put the date you obtained full licence (whether in Australia or OS)

    • kerfuffle on 24/03/2024 - 16:58
      +3

      Pretty sure it's when you get your Ps, being the first opportunity where you can legally drive by yourself.

      • MS Paint on 24/03/2024 - 16:59
        +1

        Agree. My bad. The date you could drive without an instructor.

    • shoppe on 31/03/2024 - 23:33

      …years of fully licensed experience …

      yes and no.
      (When you got your licence.) I know people who got their driver's licence, years ago, then never drove a car again.

    • kerfuffle on 24/03/2024 - 16:57

      You should be putting it as when you got your Ps, not Ls, since you can't drive by yourself on your Ls

      • Fayble1212 on 24/03/2024 - 16:58
        -7

        You can ride your motorbike by yourself on your L's at 16, so I don't see how this question would be an issue with your L's on your car.

        • kerfuffle on 24/03/2024 - 16:59

          I said drive, not ride. Motorbikes and cars are different.

          I don't see how this question would be an issue with your L's on your car.

          The cops would beg to differ should they see a L driver in a car unaccompanied.

          • Fayble1212 on 24/03/2024 - 17:00
            -8

            @kerfuffle: Yeah changes nothing, the question is when you get your license, not your independent license, not your P's, just your license.

            I got my LICENSE when I was 16 and on my L's, you do what you want, but your theory is based off your own thoughts, not off the context of the question.

            • kerfuffle on 24/03/2024 - 17:02

              @Fayble1212: From NRMA as an example:

              This does not include a learner's permit. Please tell us how old the driver was when they got their driver's licence. If the driver got their licence before the age of 17 please enter in 17 as the age. If the driver doesn't have a driver's licence but does own the cara please phone us on 132 132.

                • kiitos on 27/03/2024 - 08:35

                  @Fayble1212: This change in terminology must be a very recent thing?

        • GordonD on 24/03/2024 - 17:16

          The time you got your Ls or Ps?

          Good point. Back in my day it was a learner's "permit", leading on to a driver's "licence", so when you got your "licence" was pretty clear and ambiguous. But since they renamed it a learner's "licence" it has ceased to be a question with quite so clear an answer. You'd think the insurance companies' lawyers would have picked that one up.

  • joka on 24/03/2024 - 17:22
    +1

    If the question is ambiguous then answer how you see fit and whatever works in your favour.

    • zorodluffy on 24/03/2024 - 17:30

      just curious tho, if its ambiguous during the quoting process, and you answer as if it were.

      Is it then your responsibility to check the PDS to see if there is any more details? or was the onus on the insurance company to give that detail through the online quoting process

  • JIMB0 on 24/03/2024 - 19:23
    +1

    Try ticking the option for never got one and see what happens.

  • GordonD on 24/03/2024 - 20:23

    The stupid thing is that its not when you got your licence that determines how likely you are to be responsible for having a crash.

    Someone who has just gotten their licence at 17 has the highest probability of crashing. A person who got their licence at 17, who is now 20 has about the same likelihood of crashing as someone who just got their licence at 20. Its not about when you got your licence, its about how old you are now. Risk goes down with age, not years on the road. At least until you get old.

    • jzdhgkd on 24/03/2024 - 21:48
      +4

      Interesting! Do you have a source for that?

      I have a hard time believing that a 45 year old who got their license yesterday has the same chances of crashing as a 45 year old who obtained and held their license since they were 17 years old. Unless it's because driving skills drop as people hold their licenses for longer and become complacent?

    • larndis on 25/03/2024 - 09:32
      +1

      Pretty sure they want to know both your age and experience as both have been found to influence your likelihood of making a claim. They are pretty good at this stuff.

  • The tiger on 25/03/2024 - 11:22

    It is the day your wife got her driving license.

  • MeesusEff on 26/03/2024 - 04:38
    -1

    Any driving license. I buy my parents car insurance, I put down 16 as the answer, otherwise it'd be 50…

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