My other half had her insurance renewal through today 215 quid.
I'm insuring a near identical car but I'm a couple of years older than her, never had a crash, never had points, same address, she has had one crash (a parking ding) which was sorted by insurance. We both got our licences within a few months of each other 10+ years ago.
She has only ever driven her car but has been a named driver on my policy. I've had high performance cars and a variety of chod. She's only ever driven the chod.
My insurance is £440, make sense of that one.