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  • FIRST POST
    • letournoi
    • By letournoi 12th Mar 17, 12:02 PM
    • 5Posts
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    letournoi
    Car insurance - 500 to 2600 difference in same city
    • #1
    • 12th Mar 17, 12:02 PM
    Car insurance - 500 to 2600 difference in same city 12th Mar 17 at 12:02 PM
    Hi
    Looking to move house - found a house we like in BD2 (bradford postode) and checked how much car insure would be thinking it should be cheaper, further out of town than I am now, quieter street etc. buts its more than double! 2600 a year, from 1100.

    This I must add is on a car worth no more than 1500

    Did some changing of postcodes and found some really odd things (to me at least!)

    3 other parts of Bradford
    BD2 - 2600
    BD5 - 1100 (current house)
    BD13 - 760 (parents house)
    BD22 - 500 (out skirts of Bradford but Bradford postcode)

    So if your rich enough to live in bd22 you save over 10,000 in 5 years over people insuring cars in BD2. This is insane surely! One of the reasons they give is amount of uninsured drivers in a postcode, but at those prices surely they must see the premium is part of the reason for the uninsured drivers.

    I'm not willing to move to this area based on the car insurance cost (being nearly 200 a month!) if others follow suite the value of these areas will reduce potentially causing a further disparity to those well off and those struggling to get by.

    Sorry lots of thoughts here and probably not very well structured. Think I'm asking is there sensible ways around this. Are there pressure groups for fairer (?) ways of doing car insurance?
    Last edited by letournoi; 12-03-2017 at 12:03 PM. Reason: spelling
Page 1
    • paddyandstumpy
    • By paddyandstumpy 12th Mar 17, 12:38 PM
    • 626 Posts
    • 217 Thanks
    paddyandstumpy
    • #2
    • 12th Mar 17, 12:38 PM
    • #2
    • 12th Mar 17, 12:38 PM
    Rates are based on risk, and prior experience.

    If an insurer has had poor experience (of things like theft, arson and vandalism) at a certain postcode they will rate it higher.
    • forgotmyname
    • By forgotmyname 12th Mar 17, 8:41 PM
    • 24,958 Posts
    • 9,899 Thanks
    forgotmyname
    • #3
    • 12th Mar 17, 8:41 PM
    • #3
    • 12th Mar 17, 8:41 PM
    At least you can get cover, i have been with specialist club insurers and they wouldnt even quote you with a BD postcode whether its the best or worst they just said dont bother asking.

    Pressure groups for fairer insurance, vote with your feet and try different insurers if they are all the same then there will be a reason for that. You may think its a quiet area but the reason for the claims may not be visible when you drive around the area and think its quiet.
    Punctuation, Spelling and Grammar will be used sparingly. Due to rising costs of inflation.

    My contribution to MSE. Other contributions will only be used if they cost me nothing.

    Due to me being a tight git.
    • letournoi
    • By letournoi 13th Mar 17, 7:09 AM
    • 5 Posts
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    letournoi
    • #4
    • 13th Mar 17, 7:09 AM
    • #4
    • 13th Mar 17, 7:09 AM
    At least you can get cover, i have been with specialist club insurers and they wouldnt even quote you with a BD postcode whether its the best or worst they just said dont bother asking.
    Originally posted by forgotmyname
    Thanks for the reply! Why can't you get cover?
    • eddddy
    • By eddddy 13th Mar 17, 7:24 AM
    • 4,467 Posts
    • 4,140 Thanks
    eddddy
    • #5
    • 13th Mar 17, 7:24 AM
    • #5
    • 13th Mar 17, 7:24 AM
    If you got all these quotes using the same name and car details, it may be that you triggered a fraud alert (or a competitor alert) - which resulted in inflated premiums being quoted.

    For example, the system thought you were looking for the cheapest postcode in order to use a fake address in that postcode.

    Or you were a competitor trying to 'steal' their postcode/risk profile.


    It's unlikely that a 'genuine potential customer' would have a legitimate reason for checking 4 (or more) different postcodes.
    • rtho782
    • By rtho782 13th Mar 17, 6:50 PM
    • 909 Posts
    • 575 Thanks
    rtho782
    • #6
    • 13th Mar 17, 6:50 PM
    • #6
    • 13th Mar 17, 6:50 PM
    And if you're asking for these quotes all from your existing insurer, they might just be of the variety that offer a cheap (loss making) quote on the logic that X% of people change details in the year, and they can then fleece them and make up the losses.

    Get new quotes if you have to, and cancel your insurance.
    Deposit Saved since 01/12/15: 13,000 / 15,000 House Bought!

    Debt Cleared since 01/12/15: 6,000 / 7,500
    • Yorkshire Traveller
    • By Yorkshire Traveller 14th Mar 17, 11:50 AM
    • 237 Posts
    • 71 Thanks
    Yorkshire Traveller
    • #7
    • 14th Mar 17, 11:50 AM
    • #7
    • 14th Mar 17, 11:50 AM
    It was in the local paper (Telegraph & Argus) not that long ago that BD2 and BD3 have the highest rates of uninsured drivers in the UK.
    • Nasqueron
    • By Nasqueron 14th Mar 17, 2:18 PM
    • 4,181 Posts
    • 2,316 Thanks
    Nasqueron
    • #8
    • 14th Mar 17, 2:18 PM
    • #8
    • 14th Mar 17, 2:18 PM
    If you got all these quotes using the same name and car details, it may be that you triggered a fraud alert (or a competitor alert) - which resulted in inflated premiums being quoted.

    For example, the system thought you were looking for the cheapest postcode in order to use a fake address in that postcode.

    Or you were a competitor trying to 'steal' their postcode/risk profile.


    It's unlikely that a 'genuine potential customer' would have a legitimate reason for checking 4 (or more) different postcodes.
    Originally posted by eddddy
    Wonders of the "computer says no" times we are in. A legitimate reason would be someone looking to move house and looking at prices for the different areas depending on where they'd move, just as they'd check schools, crime rate etc. Such a person may well be unaware the system can trigger alerts or even fraud especially using their own details and then has the insurer getting funny when they do move and quote a postcode which is cheaper!
    • Shakin Steve
    • By Shakin Steve 14th Mar 17, 3:50 PM
    • 743 Posts
    • 533 Thanks
    Shakin Steve
    • #9
    • 14th Mar 17, 3:50 PM
    • #9
    • 14th Mar 17, 3:50 PM
    I live in Barnsley (not exactly crime free) but am originally from Liverpool. My brother and I have almost identical cars yet I pay 900 less here than he does in Liverpool.
    You can't argue with this, I'm afraid, ins cos make their livings on the back of risk assessment and they're not going to change any time soon.
    I came into this world with nothing and I've got most of it left.
    • teddysmum
    • By teddysmum 14th Mar 17, 3:53 PM
    • 7,437 Posts
    • 4,369 Thanks
    teddysmum
    It was in the local paper (Telegraph & Argus) not that long ago that BD2 and BD3 have the highest rates of uninsured drivers in the UK.
    Originally posted by Yorkshire Traveller


    It was in other national papers, too , as well as Bradford's reputation being mentioned in a tv programme about accidents etc.
    • Shakin Steve
    • By Shakin Steve 14th Mar 17, 4:57 PM
    • 743 Posts
    • 533 Thanks
    Shakin Steve
    It was in other national papers, too , as well as Bradford's reputation being mentioned in a tv programme about accidents etc.
    Originally posted by teddysmum
    Accidents that weren't accidents.
    I came into this world with nothing and I've got most of it left.
    • trailingspouse
    • By trailingspouse 14th Mar 17, 5:54 PM
    • 1,932 Posts
    • 2,656 Thanks
    trailingspouse
    We moved from a rural setting, cul-de-sac and open countryside around us, a couple of miles from the main road to a BD16 postcode on a busy road on the outskirts of a town. Our premium went down. Mostly because the first house was in an Oldham postcode...
    • forgotmyname
    • By forgotmyname 14th Mar 17, 7:47 PM
    • 24,958 Posts
    • 9,899 Thanks
    forgotmyname
    Thanks for the reply! Why can't you get cover?
    Originally posted by letournoi
    I can get cover because i do not live near Bradford. But my car insurance wont touch anyone with a Bradford postcode.

    They actually stated not to bother asking. But they wouldnt insure younger drivers either. They prefer low risks.
    Punctuation, Spelling and Grammar will be used sparingly. Due to rising costs of inflation.

    My contribution to MSE. Other contributions will only be used if they cost me nothing.

    Due to me being a tight git.
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