Moved House - Car insurance gone through the roof

[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.

[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!

[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.

[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.

[Flashman]

Fair enough when I lived in Manchester I had to search for insurers who didn't really have many clients in the area. Unfortunately as soon as insurance websites came online I was screwed.

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

[BigRed]

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.

[SueEllen]

No, it's a sleepy village with a church, a pub and about 30 houses.

Real low crime area.

As Malvolio's post suggests, it seems there is a loading on a Bristol postcode regardless.

Fair enough when I lived in Manchester I had to search for insurers who didn't really have many clients in the area. Unfortunately as soon as insurance websites came online I was screwed.

[Big Blue Plymouth]

That's cos everyone in your area has car crashes, gets burgled etc.

No, it's a sleepy village with a church, a pub and about 30 houses.

Real low crime area.

Then again, it can only be reached via narrow, windy country lanes so maybe people have more scrapes.

Probably with the nuts in white vans who cut through here at breakneck speed to avoid the queues on the A39.

[SueEllen]

That's cos everyone in your area has car crashes, gets burgled etc.

I remember years ago I moved from a prosperous area of London to a slightly poorer one temporarily. Both areas had a university in it with students. The better one in the poorer area. Anyway my car insurance premium went down....

[northernladuk]

Another thread about something that didn't happen. Oh joy.

[Big Blue Plymouth]

Think positive. We lived in a converted st of miners cottages ni a quiet little corner of Somerset with a BA postcode. We then moved to a house with a BS postcode. We didn't move house, just got shifted to a different sorting office by the Post Office for some reason. Home, contents and both car insurances went up by around 20%...

Feck me, that's bad....

I haven't even left Banes.

I guess I'm a few miles closer to Hartcliffe though

[malvolio]

Think positive. We lived in a converted st of miners cottages ni a quiet little corner of Somerset with a BA postcode. We then moved to a house with a BS postcode. We didn't move house, just got shifted to a different sorting office by the Post Office for some reason. Home, contents and both car insurances went up by around 20%...

[ChimpMaster]

At least you're not a brown guy in America.

[Big Blue Plymouth]

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