Soldato
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I've got the same area postcode as scummy estate which is eight miles from my semi-rural, low crime village. Higher insurance but I saved on stamp duty when I moved here.
Hmm, so post codes really do make a difference.
- Thread starter BigglesPiP
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No, if the post code on the insurance doesn't match where your car caught fire/was stolen from, the insurance is void, if you were found to be keeping it there on a permanent basis.
Although the full address on the policy does remain the same as the one on my licence.
Yes, I dragged my house 300 miles.
Just posted in the wrong forum is all.
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Job.
Man of Honour
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Only if you do it fraudulently.
I moved from a CA1 to a CA4, CA1 was city center post code and ca4 was a sleepy village 7 miles out of town. Cheeky insurance company put my insurance up by about £20, i was not happy as I expected it to go down. I argued my case explaning the crime rate was lower, congestion was none existant etc in the end they backed down when i said i would cancel and go elsewhere. Challange everything the insurance companies tell you.
Soldato
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Postcodes and insurance rises are all due to the areas previous claims history. if the new postcode is a high risk area expect higher premiums.
![[TW]Fox](/data/man-of-honor/2009.png){kind=avatar}
Or perhaps just bought insurance for a new house?Yes, I dragged my house 300 miles.
Idiot.Or perhaps just bought insurance for a new house?
He wouldnt be changing anything if it was a new house and a new policy then would he?
3 bed semi vs 3 bed semi.. all we had was him complaining insurance in postcode LA23 was cheaper than SO14, it wasn't (and still isn't) specific that it was still the same policy. And hell, it may have even been life insurance he was talking about.. this thread was in GD to start with.[TW]Fox;12485704 said:
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Mine dropped £250 when I changed from an OL to a PR postcode.
Paying £792 this year
Damn sight better than last year andy
I'm paying a low figure for my turbo too, won't post how much given you are so happy with that 
If this is the case, then why is third party only insurance not really cheap compared to TPFT.
You could live in the ghetto but if your only covered for driving into other people then why the high price still due to post code since you wouldnt be claiming if your car was nicked.
You could live in the ghetto but if your only covered for driving into other people then why the high price still due to post code since you wouldnt be claiming if your car was nicked.
Damn sight better than last year andy
That's just because you live in the middle of nowhere though
Mine was supposed to be £1050 this year, dropped to about £810 when I changed the postcode and dropped a further £18 when I added DOC
Although it wont be true of all "bad" postal codes, the chances of you having a fault prang is massive in a built up city, or crowded terraced area where you are almost touching other cars as you are driving around. This same risk doesnt apply to your average driver who lives in a leafy out of town area.
Plus there is that annoying risk profile thing - what sort of person is likely to live in that area and what is their average driving style? All a load of crap but it's exactly the same reason why you get shafted if you fit a new exhuast to your car. Not because it makes ANY difference to your car but because in the insurers eyes only a certain type of person fits one.
[TW]Fox;12488148 said:
Another example of this which is brought up time and time again is why insurance companies generally charge more if you have uprated the brakes. People moan and say that their car is now safer, which it is. But what sort of person goes to the bother of upgrading brakes in the first place? A risky one is the answer!
Strange then that every insurance co i've spoken to over the last 5+ years (who has in turn had to check with the underwriter) hasn't got a problem with my bike being in a garage 10 miles away from my home and the policy address being the address where the bike is kept not the address on my licence. Now if it was over 10 miles apparently my current underwriter would have an issue apparently