Insurance price hike from £300 to £1200

Ricochet J · 28 Jun 2016 at 15:16

Situation:

I have had my licence 8 years
I have 7 years no claims bonus
I have 1 non fault accident in the last 3 years

Currently pay £300.

I want to change address.

Call insurance company to notify them. They want an extra £900 + admin fee.

LOL on the phone and tell them I'll get back to them.

Go to gocompare.com/comparemeercats

Enter details on gocompare.com/comparemeercats

Chepest quote is £1300 + telematics box

Srsly?

nas · 28 Jun 2016 at 15:18

brexit iirc

Bunka · 28 Jun 2016 at 15:21

Are you moving from the countryside to a ghetto by any chance?

Gaijin · 28 Jun 2016 at 15:22

Did you move to the ghetto?

Edit: Beaten

Ricochet J · 28 Jun 2016 at 15:23

Bunka said:
Are you moving from the countryside to a ghetto by any chance?

I'm moving to a place where the car will be parked in a secure, locked, gated, and CCTVd car park. That's an improvement over parked on the road in the middle of the dark.

Iamzod · 28 Jun 2016 at 15:26

Ricochet J said:
I'm moving to a place where the car will be parked in a secure, locked, gated, and CCTVd car park. That's an improvement over parked on the road in the middle of the dark.

But from where to where?

iaind · 28 Jun 2016 at 15:27

Seen a few people complain of this sort of thing recently and no, it's nothing to do with brexit.

Just tried myself to see what quotes I was getting and it's still sub 300 for me, so it's nothing thats happening across the board

Have you tried running quotes online with the old address to see if its the address thats doing it or something else? Just because it appears to be safer, there's all sorts of factors which mean it could be a higher insurance risk

Ricochet J · 28 Jun 2016 at 15:31

iaind said:
Seen a few people complain of this sort of thing recently and no, it's nothing to do with brexit.

Just tried myself to see what quotes I was getting and it's still sub 300 for me, so it's nothing thats happening across the board

Have you tried running quotes online with the old address to see if its the address thats doing it or something else? Just because it appears to be safer, there's all sorts of factors which mean it could be a higher insurance risk

Just did that and it is the address

For some reason the new address seems to be poo

Bunka · 28 Jun 2016 at 15:34

Ricochet J said:
Just did that and it is the address

For some reason the new address seems to be poo

Double check your postcode against this site to be extra sure: http://www.carinsuranceexplained.com/car-insurance-explained/car-insurance-postcode-risk-list.html

Ricochet J · 28 Jun 2016 at 15:36

Bunka said:
Double check your postcode against this site to be extra sure: http://www.carinsuranceexplained.com/car-insurance-explained/car-insurance-postcode-risk-list.html

Both post codes are F*

Pretty sure that site is more ancient than the internet.

The post code risks must have changed.

iaind · 28 Jun 2016 at 15:42

Yep remember its not just down to how nice the address is, there's all sorts of other factors involved. It sucks a bit but keep shopping around, playing with job titles and named drivers... the usual stuff

Ricochet J · 28 Jun 2016 at 15:44

iaind said:
Yep remember its not just down to how nice the address is, there's all sorts of other factors involved. It sucks a bit but keep shopping around, playing with job titles and named drivers... the usual stuff

Don't want to put my wife on as a named driver as the premium shoots up another £800, and she hates driving "the tractor" (the Saab) so she'll never drive it. She also has 3 points. Child killer tbh

I doubt playing with my job title will reduce the premium from £1200 down to something sensible.

flowrider99 · 28 Jun 2016 at 15:52

Postcodes are one of the biggest differentiators on insurance prices.

Gepetto · 28 Jun 2016 at 15:56

Ricochet J said:
Don't want to put my wife on as a named driver as the premium shoots up another £800, and she hates driving "the tractor" (the Saab) so she'll never drive it. She also has 3 points. Child killer tbh

I doubt playing with my job title will reduce the premium from £1200 down to something sensible.

Do either of you stay at home during the day? My insurance dropped dramatically when I was working from home. Someone there more of the time methinks?

MooMoo444 · 28 Jun 2016 at 16:28

Bunka said:
Double check your postcode against this site to be extra sure: http://www.carinsuranceexplained.com/car-insurance-explained/car-insurance-postcode-risk-list.html

Thanks for this - makes sense. I moved from my folks to my own place and my insurance went up, looking at this it seems I moved from an A to a B. So it seems it could be much worse, I should be thankful!

Ricochet J · 28 Jun 2016 at 16:32

MooMoo444 said:
Thanks for this - makes sense. I moved from my folks to my own place and my insurance went up, looking at this it seems I moved from an A to a B. So it seems it could be much worse, I should be thankful!

That database is very old. I doubt it has any meaning today.

Bunka · 28 Jun 2016 at 16:44

Ricochet J said:
That database is very old. I doubt it has any meaning today.

I'm not sure if it's 100% accurate but it made sense when I moved from Surrey to West London. It gives a decent enough indicator anyway.

Hiijinx · 28 Jun 2016 at 19:08

Our quiet little suburb where so little happens it's boring outside Brighton has a rating of D and my partners old council estate in Essex where you fear for your life is only an E?

How the hell do these idiots work this out?!

Skillmister · 28 Jun 2016 at 19:50

Ricochet J said:
That database is very old. I doubt it has any meaning today.

Seems fairly accurate to me when I plug in my last 3 postcodes, the first 2 of which being F* * D* would have seen me paying £1.5k+ for insurance on my current car, whereas I'm now paying £700 in an 'A'.

jpaul · 28 Jun 2016 at 22:23

Are the quotes at your new vs old address related at all to car model, so if you quote on a 1.6 astra diesel or a 320i you see similar hike ? (I have used reg numbers off of autotrader for what ifs )