Car insurance and postcode woes

echodelta35

Evening everyone

Brand new here, so please be gentle.

To set the scene....I currently live in a rented property that is only slightly elevated from the 7th level of Hell. I'm going to be moving to a lovely modern recent build apartment very soon (keys in hand, but having to move stuff around work)

Wouldn't you know it? I forgot to run a couple of prospective insurance quotes with my new address. Because everyone does that before they buy a new house or move in general...….?!?

Anyway, renewal time is next Friday. Tesco massively inflated my premium as standard, so comparison site it is! Hang on....why are the premiums all pretty good, but the excess for nearly every single insurer is dead on a compulsory £3000 (no voluntary)….

Okay....lets try my existing address. Wow...lovely quotes, with typical low excess.
Let's try next door....£3000 excess.
Let's try......keeping the address the same, but say it'll be kept overnight at my new address.....decent quotes again, low excess.

You may have noticed that I've devoted a lot of time to trying to work this shambles out, but the stark realism is that unless I can find a way around this, I can't drive anymore. Simple as that.


I refuse to believe this is simply the insurance companies cherry picking low risks (not that they would...of course), but my prospective new postcode is actually showing up as a lower risk than my current address (on the postcode risk comparator)


So....not risk based postcode then. So what the blue hell is it?!? Is it because I have no links to the address (V5C is still in this address, all my credit history ties to this address and nothing to the new one)?

There are plenty of cars at in the development i'm moving to.....they can't all be able to afford £5000 premiums or £3000 excess. And a wide variation in quality of cars too.


I am truly, utterly baffled. But i'm not about to take a £3000 excess simply to have the fairly common convenience of driving a car.

Can anyone offer some advice, please? I'm utterly on my final nerve trying to make sense out of this, when there doesn't seem to be any!

Thank you

Zorillo

It's probably all of the quotes you've run through the comparison websites with different details.

Speak to a company directly and see what they say, and failing that try a broker.

dacouch

If it was such a good area there would be an Insurer undercutting all the others and making money.

echodelta35

Thanks Zorillo...that thought occurred to me too. Not the most helpful situation as I really wanted to avoid the trap of getting insurance at my current address, then finding out that the area I've moved to is blacklisted. Although, as I said, unless everyone is either driving uninsured or is extremely well off, I can't imagine it is.

Dacrouch, I think you may be missing the point. It's not a question of the area specifically. I did specify that when basically no sane insurance quotes were being generated for anything other than my home address (including my neighbours address about 10 feet from where i'm sitting).

I fully expect an increase in premium when I move...it's almost standard. But the generation of EVERY quote as a compulsory £3000 excess which leads me to believe that either the number of quotations with different details I have generated has somehow 'tilted' the pinball table, or that some basic credit/registration checks get carried out. In which case it would probably flag up like a Christmas tree, as currently I have no footprint at all there. No council tax, electoral roll, no V5C and no utilities.


It would seem the only logical answer given that I can get quoted very easily for my own address of 6-7 years, but as mentioned above, not terrific if I'm trying to do due diligence and pre-check my new address.

csgohan4

make sure you do dummy quotes and do not use real name or reg number as that will alert the insurers