Moved House - Car insurance gone through the roof

[vetran]

Even 20 years ago the granularity on postcodes for insurance was at least 4 digits. The system I worked on was based on a daily sales target, rates went up or down through the day based on performance. This is similar to airline ticket prices. Renewing customers always get a poor rate due to the inertia factor.

Indeed if you don't want to get bent over play the field.

[SueEllen]

To summarise. "when I lived in Manchester .... I was screwed"

To be fair I was more legal and safer not moving from my bed.

[SimonMac]

So I've moved (albeit temporarily) to a postcode with ostensibly (according to those online checkers) a lower crime rate than my previous address.

Yet the cheapest premium I can find on Compare The Market etc is £530 compared to £220 for my old address.

I can only assume that being in a BS postcode just automatically attracts a higher premium than a BA postcode despite the fact It's a sleepy village where nothing ever happens.

Daylight robbery

I moved from a pretty dodgy area in Leeds, to a nice village outside the commuter belt, low crime, good schools, extortionate house prices (although still better than the South East) and the car insurance company refused to cover me because the scrotes would travel to the village to break into cars that are parked at the train station!

[northernladuk]

Insurance is a very complicated thing and we don't appreciate some of the factors that they use in their risk profiling.

Small sleepy villages tend to have much higher than average priced cars and stuff in the home so crime rates might be down but it only takes the odd Range Rover to go missing to balance out scroaty areas where a 5k car goes missing every other day. More bumps of higher value payouts on the leafy country lanes than busy residential areas as well.