I suppose that it may make a difference in how busy they are if you drive (or not) at peak (callout-wise) times so maybe charge more for people who mainly drive at those times/days (just a guess). Date of birth - hopefully no more than just 'information' to prove you are over 18 for paying the bill by credit card?
The only other thing I can think of is maybe they have age/gender-related figures for the amount of breakdowns (who keeps their cars in better nick/is more sensible about driving in poor weather conditions [that may cause a breakdown]) or even who locks themselves out of their car more often. I thought the EU 'banned' gender-related profiling as regards general car insurance (not sure if that applies to all types of insurance, including breakdown cover), not sure if age is as well (personally I don't see the difference).
Anyway, when my RAC cover was due for renewal last month, they were going to charge me (including long NCD being applied) £92 (£20 more than last year) so I went to Green Flag's website and got a quote for just under £60 for the same level of cover - to be honest, I don't remember if they asked the sort of question about my driving days/times - I was more impressed by the low price. Needless to say I (somehow) managed to get the RAC to more than match the price, although if they can't next year I'll definitely change (questions or no) as they seem to have a better reputation than the RAC.
I personally wouldn't worry about the questions if they result in a cheaper quote than previous years and/or from other prvoiders. One set of questions (if I were them) I would be asking is about the car, its age, proof that's its been properly serviced in line with the manufacturer's guidance, etc. That makes more sense when deciding whether a policy a low or high risk, just as much as how much driving the owner does and when.
|