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Change of address on insurance
Comments
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You can get a rough idea here. It varies of course but overall it's a decent guide.
That's not a "decent" guide or even a "rough" guide.
They are the Aviva rating areas for motorcycles from upwards of eight years ago.
Rating of areas has moved on massively since then due to break ins to steal car keys, fraudulent claims, injury claims and general changes.
Even eight years ago there was a massive difference between motorcycle and car rating areas.
Motorcycle rating areas were driven by theft of motorcycles which had a huge effect on the rating areas.
Car Insurers use dozens more rating areas than the list provided normally taking into account the postal area, first digits and then the actual sector. Even motorcycles Insurers use many many more rating areas now days0 -
Katie, how many more instalments do you have on your policy?0
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Katie22313 wrote: »I moved from SG17 to SG15 the place i moved from was a worse place.
Will they charge me if I was to cancel my policy?
Looking at where you have moved from and where you now live I find it hard to see how they are justifying an increase of £32 a month on your insurance. How many months do you have left on your policy? Have you thought about getting quotes from your insurers website on your old address and your new one to see what difference it comes up with? That might give you some ammunition to fight them with."You should know not to believe everything in media & polls by now !"
John539 2-12-14 Post 150300 -
Looking at where you have moved from and where you now live I find it hard to see how they are justifying an increase
How do you know what their person insurers experiences are for these areas (esp as insurers normally use Postcode Sector but the OP has only given their Postcode District)?
Theft, vandalism, hit and run are only part of the equations, commuter belts often have higher claims due to high motorway mileage. Mass affluent areas have higher claims as they have newer higher branded vehicles and claim for minor scrapes where as with an old banger it just matches the one on the other side.
Dont assume that posher area = cheaper insurance.0 -
You can get it back down by moving back or by changing insurer.
You chose to move, and if it's a higher risk to them you're going to be charged more.0 -
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That's not a "decent" guide or even a "rough" guide.
They are the Aviva rating areas for motorcycles from upwards of eight years ago.
Rating of areas has moved on massively since then due to break ins to steal car keys, fraudulent claims, injury claims and general changes.
Even eight years ago there was a massive difference between motorcycle and car rating areas.
Motorcycle rating areas were driven by theft of motorcycles which had a huge effect on the rating areas.
Car Insurers use dozens more rating areas than the list provided normally taking into account the postal area, first digits and then the actual sector. Even motorcycles Insurers use many many more rating areas now days
I'm sure insurers use more granular ratings but to say this isn't even a rough guide is ridiculous. You find me just half a dozen of those ratings that are completely wrong. Just a handful from the several hundred written there that is A or B on that list and is actually F or 'refer', or vice-versa.0 -
I'm sure insurers use more granular ratings but to say this isn't even a rough guide is ridiculous. You find me just half a dozen of those ratings that are completely wrong. Just a handful from the several hundred written there that is A or B on that list and is actually F or 'refer', or vice-versa.
Every single one of those rating areas applied to Aviva Motorcycle Rating from at the very least eight years ago.
Every single one of those ratings areas is wrong.
In no way is it a rough guide, you could argue it's a very rough guide to motorcycle Insurance but had no bearing to car insurance eight years ago and even less bearing now days.
The only rating areas that may be "similar" are the Jersey and Out Hebrides.
That post code list always amuses and annoys me when people believe that website that it in some way relates to car insurance.0 -
Every single one of those rating areas applied to Aviva Motorcycle Rating from at the very least eight years ago.
Every single one of those ratings areas is wrong.
In no way is it a rough guide, you could argue it's a very rough guide to motorcycle Insurance but had no bearing to car insurance eight years ago and even less bearing now days.
The only rating areas that may be "similar" are the Jersey and Out Hebrides.
That post code list always amuses and annoys me when people believe that website that it in some way relates to car insurance.
And yet I can look at all the postcodes I'm familiar with, many dozens, and see that it is a decent enough rough guide. People want to know if their area is high, low or medium risk, nobody gives a stuff whether it's 11.49% inaccurate as compared to an up-to-date list or some other insurance-insider pedantry.0 -
And yet I can look at all the postcodes I'm familiar with, many dozens, and see that it is a decent enough rough guide. People want to know if their area is high, low or medium risk, nobody gives a stuff whether it's 11.49% inaccurate as compared to an up-to-date list or some other insurance-insider pedantry.
On what basis are you able to look at the post codes and say that the list is fairly accurate?
Do you work in Insurance?
I can look at the same list and tell you it's actually very inaccurate.
When the list was up to date eg at least eight years ago, the same Insurer (Aviva) then had 20 rating areas for cars as opposed to the seven they show on the motorcycle rating areas you linked to.
There are many many more rating areas now.
It's perfectly possible for an area eg SG17 1 to be rated entirely different to SG17 2 as the rating areas go down to the sector not just the district with some companies even using the next one or two letters as well0
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