The colour of a car does not determine insurance premium - Discovery Insure

Following a heated conversation on whether the colour of a vehicle determines the insurance premium with motoring journalist Juliet McGuire, John Maytham finds out the truth of the matter.

The popular belief is that red and black cars cost more to insure.

According to Philippa Wild, Head of Technical Marketing at Discovery Insure, colour of a car does not have an impact on whether you are likely to get involved in an accident.

Although Wild says she doesn't speak on behalf of the entire industry, the statistics at Discovery insure has proven otherwise.

She says when they determine a premium, they look at how likely you are to claim, and if you do claim how much will it cost them to repair.

The main determining factor is about driving behaviour and what you do behind the wheel of a car, she says.

From a severity perspective or how much is it going to cost us it is not the colour of a car but the paint type, for example a metallic type paint would cost more ...

Philippa Wild, Head of Technical Marketing at Discovery Insure

Listen to the full conversation below:


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