Just like airlines they make no sense when it comes to pricing.
When I bought my Roadster Peter Best who I had been with for 15 incident free years on other Mogs wanted nearly £800 up about £600 from my +4 premium.

Morgan Ins was cheaper than the +4!


JohnV6
2022 CX Plus Four
2025 Renault Scenic Alpine etech "Yvette"