Address related car insurance : all help appreciated !!!

Johno100

AdrianC wrote: »

My house doesn't have a number. It doesn't have a road name, either. Poor insurers.

Good job we have these things called postcodes then isn't it.

AdrianC

Johno100 wrote: »

Good job we have these things called postcodes then isn't it.

How odd. I thought postcodes weren't anywhere near granular enough for insurers.

EdGasketTheSecond

Johno100 wrote: »

The days of blacklisting properties rather than people has long since gone.



I'm not even going to try to decipher what you mean.

"“ The days of blacklisting properties rather than people has long since gone." <-- says who? I think in practice you will find it hasn't as per the OP's experience.


OK so I got an insurance quote based on the postcode for the road; phoned up and they got the details up on the screen but when they added the house number they said on 'their system' the premium was actually lower due to the house number. It wasn't a long road either but my daughter was living in the cul-de-sac part which may have affected things.

Johno100

EdGasketTheSecond wrote: »

The days of blacklisting properties rather than people has long since gone." <-- says who? I think in practice you will find it hasn't as per the OP's experience.

The credit reference agencies.

The addresses you are linked to do not affect your credit score, or your ability to get credit. Your credit score, and ability to get credit, is not affected by other people who have lived at your linked addresses (unless you are financially associated to them).

https://help.creditexpert.co.uk/help/sv635/Cancel_and_duration/

As I said I think there is another piece in the jigsaw that we are not getting.

EdGasketTheSecond

We're talking insurance here though, not credit. Insurance companies make up their own rules which don't have to be fair or just to everyone equally.

Johno100

EdGasketTheSecond wrote: »

We're talking insurance here though, not credit. Insurance companies make up their own rules which don't have to be fair or just to everyone equally.

EdGasketTheSecond wrote: »

Some addresses do flag up where there have been previous CCJ's or people living with bad credit ratings.....

Hope you haven't injured your back moving those goalposts.

MEM62

fdspc10 wrote: »

Who on earth do I talk to to see why my address is "blacklisted"?

Addresses do not get blacklisted.

Try obtaining quotes from a comparison site and see what figures come back.

EdGasketTheSecond

MEM62 wrote: »

Addresses do not get blacklisted.

Try obtaining quotes from a comparison site and see what figures come back.

Post number 5; already tried.

fdspc10

I asked my current insurer and her reply was

"That's what it says on my screen"

Which was zero help!

custardy

fdspc10 wrote: »

I asked my current insurer and her reply was

"That's what it says on my screen"

Which was zero help!

and the comparison quotes people advised?