Insuring young drivers/workers to drive farm vehicles.

[Fendt516profi]

Different insurers use different parameters in their calculations, but for a given mileage having experienced drivers should reduce the overall risk profile because the assumption will be that a certain percentage of estimated mileage will be undertaken by the experienced driver. 5000 miles at 100% risk rating compared to an assumed 4000 miles at 100% and 1000 miles at 20% yields different results. If the insurance company are aware that the named driver is only being put on in order to try and get cheaper insurance & that there's no intention for them to drive the vehicle then they may decide to maintain the higher risk rating for the total mileage.

It was the NFU same as @Happy hillbily