Why do you think 0.3 miles doesn't mean much?
Not all insurers have the same view of all postcodes. Your current insurer obviously for various reasons felt you become a higher risk at the new address.
If all insurance companies though the same thing, prices would be very similar between all companies.
He thinks 0.3 miles doesn't mean much because in reality, 0.3 miles doesn't actually mean anything at all! And you said it yourself "felt you become a higher risk" so you understand there is no actual, nor correct, nor properly calculated or conducted risk assessment going on here otherwise both results would be exactly the same.
What's happening here is they are using random statistics to inflate prices beyond
actual risk, some guy 10 years ago maybe got hit there and they're using it to inflate the prices, no actual assessment has occurred. They're using an un-correlative statistic, and then they give the illusion that this random number has somehow magically, and correctly, extrapolated the actual risk. The road has not been studied to find what is actual risk! (in fact a lot of roads are designed to increase risk!! but that's a discussion for another thread).
The results aren't different because there is
actually a greater risk lol, The results are different because one of the companies are taking the chance to milk you. And the reason it is always the company you are currently with is because a lot of people don't bother and simply let their renewal auto-renew. This is a classic tactic of any service provider, not just insurance!
How many sellers of goods and services let consumers individually negotiate discounts? Why are you even expecting that?
You tried it and they said no. Move on.
Car insurance? people negotiate car insurance just like the op and Raymond are trying to do
People negotiate individual deals with Sky and Virgin all the time, they provide a service don't they? And it's EXACTLY the same principle with them. New customers always get the best deals, the old ones have to pay more than new customers for exactly the same services.