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| Insurance costs are based on statistics. You'll find that women pay less than men too.
Car insurance is insuring a risk. Having a red passport to insure against dropped my premium.
You want to speak to someone who's done underwriting in insurance and potentially reinsurance to understand your dilemma  | |
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I understand that it is all statistics, but do all the companies interpret everything by the book or what? I mean, I learnt how to drive in the UK, passed my test in the UK, but simply because my passport is not a UK passport, I get penalized.
What if the situation is the other way round - say I have a UK passport, but passed my drivers test in a non-EU country. If my driving skill is based on my passport and not where I got my licence, would they charge me less?