Found it strange in January when renewing with Admiral Multicar that the AMG GTS, Ioniq 5 and Evoque driven by the “grown-ups” (wife and I are 122 between us) worked out £350 dearer than if I’d moved them separately, but the ”kid’s” cars” (23 year old son with Abarth 595, 24 year old learner wife’s smart roadster) were cheaper than anywhere else
son then bought a 986 Boxster which Admiral insured for him for less than the Abarth, but wanted more than he paid for the wife to take it over. Moved it for half the price
only conclusion here is that Admiral happy with the perceived high risk young drivers to the point of subsidy pricing, but actively don’t want the alleged better risk older drivers - or hoping we’ll just pay through the nose. This year I figured I’d struggle to insure the kids cars for less than £350 more, but more changes of cars between us have cost far too much - so Admiral will lose all 5 remaining cars next renewal