Car insurance quote - loophole or actual benefit?

So, I did my driving licence back in November last year. When I did my license I knew I will not be driving for at least another year or maybe longer, but I will need eventually (personal circumstances tl;dr)

So anyway. I went on the quote website confused.com where you compare car insurances and I noticed something very odd.

I filled all the details as needed and in the option that asked you how long you got your licence for I put 3 months which is now. The quote I received was £1200 for the car I want, the lowest insurance.

Now I did another quote for exactly the same car and the same details only I have changed the detail where I been asked how long I had my licence for, and I changed it to 12 months. And guess what. Insurance dropped by £100. So then I did the same thing for 3 and 5 years scenarios. and For 5 years I had £750.

Of course in the question where they ask you about claim bonuses, convictions and accidents I put none, because I didn't drive. But still find it odd for my insurance to drop.

What you guys think about this? Shouldn't they ask for driving experience as well?

So, I did my driving licence back in November last year. When I did my license I knew I will not be driving for at least another year or maybe longer, but I will need eventually (personal circumstances tl;dr)

So anyway. I went on the quote website confused.com where you compare car insurances and I noticed something very odd.

I filled all the details as needed and in the option that asked you how long you got your licence for I put 3 months which is now. The quote I received was £1200 for the car I want, the lowest insurance.

Now I did another quote for exactly the same car and the same details only I have changed the detail where I been asked how long I had my licence for, and I changed it to 12 months. And guess what. Insurance dropped by £100. So then I did the same thing for 3 and 5 years scenarios. and For 5 years I had £750.

Of course in the question where they ask you about claim bonuses, convictions and accidents I put none, because I didn't drive. But still find it odd for my insurance to drop.

What you guys think about this? Shouldn't they ask for driving experience as well?

Having years of NCB will play a bigger part than simply how long you've held a licence for in getting a lower premium. That will be their most reliable measure of driving experience. It's not really a loophole, as you have to be honest about how long you've held a licence for. If they do check this and find you were lying, that's grounds to void your insurance and could be insurance fraud.

They only ever ask how long you have held your license, how many years no claims you have, whether you have ever made a claim and possibly whether you have ever had insurance cover declined.

My point was, even if you did your license 10 years ago and didnt drive at ALL since then, you still have lower premiums than someone who just passed. Do you get me?

Well, they probably have data that suggests drivers who have held a license for longer generally have fewer claims, so they are a lower risk and therefore carry lower premiums. Driving experience is a lot harder to verify than how long you've held a license for. Ideally they should consider driving experience more heavily, but there's no viable way of proving it unless you've had a black box for the past few years.

So, I did my driving licence back in November last year. When I did my license I knew I will not be driving for at least another year or maybe longer, but I will need eventually (personal circumstances tl;dr)

So anyway. I went on the quote website confused.com where you compare car insurances and I noticed something very odd.

I filled all the details as needed and in the option that asked you how long you got your licence for I put 3 months which is now. The quote I received was £1200 for the car I want, the lowest insurance.

Now I did another quote for exactly the same car and the same details only I have changed the detail where I been asked how long I had my licence for, and I changed it to 12 months. And guess what. Insurance dropped by £100. So then I did the same thing for 3 and 5 years scenarios. and For 5 years I had £750.

Of course in the question where they ask you about claim bonuses, convictions and accidents I put none, because I didn't drive. But still find it odd for my insurance to drop.

What you guys think about this? Shouldn't they ask for driving experience as well?

I'm confused.. why would you put 5 years if you only got your licence in November? That's not a loophole; that's fraud.

Thats what I thought. Either way if I buy my first car next year I will pay less insurance than if I bought car now.

The question of driving experience is vaguely covered by your NCB.

I agree it's a bit silly that you can get your licence, not drive for say 5 years and come out to lower premiums despite never actually driving since your driving test.

Makes sense to me really, I suspect the 'discount' you get for having a licence for x years is pretty insignificant to the comparable NCB that has to be earned, the NCB does seem to relate 'more or less' to driving exp so I can only assume the other side of the coin applies to risk.

Like I started driving late 17 in my mid 30's, right off the bat I pay a LOT less for insurance (none of this black box/2-3k crap), i've got the exact same driving experience as a 17 year old but it's assumed i'm more risk adverse and responsible in general, also that I have a LOT more general road/traffic experience so I'm seen as a lower risk.

Ditto If I pass my test, then don't drive for 3 months and my license sits there in it's envelope, If I go to insure my car I say i've had my licence 3 months with no issues, which takes me straight out the risk category of 'People who crash/get done for speeding as soon as they pass' - In my case I was insured for 3 months then stopped for a bit then took out a new policy with a substantial reduction in my quotes , and the only differences were i'd now had my licence 3 months instead of 0 months (and was insuring a newer more powerful car)