Car insurance tripled after move + Crazy quotes

KittycatM

I hope someone may be able to give me some tips here. I recently had a change in circumstances and have had to move house. I am now living on a main road instead of a cul de sac and parking my car on the street behind the house. My car insurance is due in early October so I have been getting quotes to see how much it is going to set me back.
At my old address the best price is £530
At my new address the best price is £1400 (with no option to pay monthly - pay monthly cheapest is annual total of ca £1700)
I have only moved a mile away, no claims, been driving for 3 years - basically the difference is purely down to the postcode.
I have tried twiddling my job title a bit and that has helped save some money, as an experiment I changed my old address quotes to street parking and it made no difference. At my new address there is no garage or drive, but I got a quote based on the car being garaged (the back yard could easily be converted into a garage) and the premium was even more expensive!
I have tried all the comparison sites and direct line, aviva, Adrian Flux brokers - and have been quoted anything from £1400 to £6500!
Very strangely though, I got a quote from Moneysupermarket and Tesco and the price was £560 starting 04.10. My policy is due on 08.09 so I refreshed the prices today and it shot up to £1900 - with no change in details. I imagine technically I could cancel my current policy early and take the cheap Tesco price - but I can't help thinking that price is a mistake and could come back to bite me later?
Has anybody got any tips or perhaps brokers who are good with bad postcodes?
A little more about me - I am 26, female, drive ca 9000 miles a year to work, both parents are on my policy as occasional drivers, I drive a 5 year old group 4 1.4 Renault Clio with alarm, immobiliser and no mods.
It is driving me crazy - I have saved £800 to cover my insurance in one - if I can't get the price down any more then I guess I'll have to pay monthly or try and negotiate a plan for paying the balance.
Any help or advice would be great, I feel I am running out of options!

forgotmyname

Obviously that post code generates lots of claims. And even having the car garaged still has an increased risk.

Try taking the parents off, Possibly in that postcode it may work.

I did dummy quotes for my daughter and some increased the premium adding an older driver. Some increased if a male driver. Some made no difference.

You just have to keep trying.

ncstone

KittycatM wrote: »

I hope someone may be able to give me some tips here. I recently had a change in circumstances and have had to move house. I am now living on a main road instead of a cul de sac and parking my car on the street behind the house. My car insurance is due in early October so I have been getting quotes to see how much it is going to set me back.
At my old address the best price is £530
At my new address the best price is £1400 (with no option to pay monthly - pay monthly cheapest is annual total of ca £1700)
I have only moved a mile away, no claims, been driving for 3 years - basically the difference is purely down to the postcode.
I have tried twiddling my job title a bit and that has helped save some money, as an experiment I changed my old address quotes to street parking and it made no difference. At my new address there is no garage or drive, but I got a quote based on the car being garaged (the back yard could easily be converted into a garage) and the premium was even more expensive!
I have tried all the comparison sites and direct line, aviva, Adrian Flux brokers - and have been quoted anything from £1400 to £6500!
Very strangely though, I got a quote from Moneysupermarket and Tesco and the price was £560 starting 04.10. My policy is due on 08.09 so I refreshed the prices today and it shot up to £1900 - with no change in details. I imagine technically I could cancel my current policy early and take the cheap Tesco price - but I can't help thinking that price is a mistake and could come back to bite me later?
Has anybody got any tips or perhaps brokers who are good with bad postcodes?
A little more about me - I am 26, female, drive ca 9000 miles a year to work, both parents are on my policy as occasional drivers, I drive a 5 year old group 4 1.4 Renault Clio with alarm, immobiliser and no mods.
It is driving me crazy - I have saved £800 to cover my insurance in one - if I can't get the price down any more then I guess I'll have to pay monthly or try and negotiate a plan for paying the balance.
Any help or advice would be great, I feel I am running out of options!

I know how you feel but not to your extent, I moved about 2 miles away to a really nice area better than the last and my car is now on a drive...I also have an extra 1 years NCB and my renewal come through at an extra £150 it is ridiculous

Ellejmorgan

Please don't put on exact details as there will be footsteps on your credit file, change a few details around ie name house number, reg number, be close but not exact and it won't show up..

KittycatM

I still haven't found a better deal. I have tried a few other options with my parents on/off, one parent on, one parent off etc. I got a decent quote (well the best so far) from Sainsburys at just over £1k, however there was no option to pay monthly. I rang them to ask why and was advised that it was due to the address - they would not offer credit terms. I was absolutely stunned - I have only been here 4 weeks so I guess there could still be bad debt linked to the address - but surely an insurance policy and any credit should be based on the individual and not any others who may have been based at the address previously? I must be very naive if that is really the case. So the search continues - any recommendations or tips still welcome!

agrinnall

Debt is linked to a person not an address, so if Sainsbury's are telling you that there is an issue with the address I can only assume it's an area issue rather than your property in particular. Which would tie in with the increase in premium levels from all the other insurers you have tried.

Parking_Trouble

Have you tried LV= (Liverpool Victoria)?

My circumstances are different to yours (wife as main driver, me and 18yo son named) but LV= are a better company and considerably cheaper than Admiral Group companies which came up cheapest on Moneysupermarche