Can't afford insurance at new address

Gt125

Sea_Shell wrote: »

How far have you moved? Completely different postcode area? Into city/town centre? Is it more urban than your parents house?

My insurance was registered to my mums address and she lives out in the middle of nowhere next to a National Trust Park. I had done a little bit of research and found that Warrington mostly has okay postcodes for insurance. I expected perhaps a little jump but £76 to £200 is not a jump I can afford.

Gt125

garth549 wrote: »

£76 to £200 a month is a huge jump just based on area or parking in a car park overnight. Are you sure you haven't made any other changes? (Car, number of miles driven, job)

Is the £76 based on your own policy (ie you're the policyholder) and not a named driver on a parent's policy?

Nope. Job is the same. Mileage the same. The only thing I did do was add my dad on to try and ease the increase, as he is not on my policy right now. He has no convictions or claims. Seems to be purely just based on the area. Doesn't make sense to me cause even doing a crime search doesn't return a high amount of vehicle related crimes.

Gt125

eddddy wrote: »

I know this isn't your question - but is the Police Station public car park intended for long term use by residents?

Or is it intended for use by members of the public visiting the Police Station?

If it's parked from Monday to Friday in the same spot without being moved (under cctv cameras), it may not be long before somebody notices.

I don't intend on keeping it in the public car park all the time. I was just parking it there until such time as I can sort out a permit as everywhere else around is either double yellows or permit spaces. There aren't any signs saying the parking is for people visiting the police station only. Not sure if it even is police parking or if it's just free parking spaces that happen to be outside the police station, as there is another parking bay round the other side where more cars are parked but there's signage there and police cars park round the other side too.

Sea_Shell

Gt125 wrote: »

My insurance was registered to my mums address and she lives out in the middle of nowhere next to a National Trust Park. I had done a little bit of research and found that Warrington mostly has okay postcodes for insurance. I expected perhaps a little jump but £76 to £200 is not a jump I can afford.

These days insurance is rated on the overall risk, rather than a pure table of postcode ratings (ah, the old days) So it's not just the move...it's the move "in conjunction" with your other factors. Age, car etc. Compared to that same person/car residing in a sleepy village.

Gt125

Sea_Shell wrote: »

These days insurance is rated on the overall risk, rather than a pure table of postcode ratings (ah, the old days) So it's not just the move...it's the move "in conjunction" with your other factors. Age, car etc. Compared to that same person/car residing in a sleepy village.

It's driving me insane. Here I was excited I'd found my first house after moving out of my parents and now I'm slapped in the face with the prospect of no car because I can no longer afford insurance.

Sea_Shell

How close are you to renewal?. Is it worth 'losing' a partial NCD year, if you can get alternative insurance substantially cheaper. You'll need to also factor in a cancellation fee.

Gt125

Sea_Shell wrote: »

How close are you to renewal?. Is it worth 'losing' a partial NCD year, if you can get alternative insurance substantially cheaper. You'll need to also factor in a cancellation fee.

I renewed in March so don't think the cancellation fee will be worth it. I'm just going to have to dump it back at my mums and pay £76 a month for a car I can't use without riding a bus for 2 hours whenever I want to use it. Completely unfair that driving history means absolutely nothing.

Sea_Shell

Insurance is all about statistics. It HAS to be...including your address.

Urban area + youngster + Corsa = ££££
Rural village + youngster + Corsa = £££

Gt125

Sea_Shell wrote: »

Insurance is all about statistics. It HAS to be...including your address.

Urban area + youngster + Corsa = ££££
Rural village + youngster + Corsa = £££

I wouldn't have thought a corsa would be a risky car. I'm 24, it's not like I've only just got my license. There are people on the same road with BMWs. No idea how anyone has a BMW insured there because if they had the money for that I highly doubt they would be living on that road.

Just makes no sense to me. And I get that but so it's like my previous driving history accounts for nothing. NCD does nothing. Added driver with great driving history does nothing. Seems nigh impossible to be able to have a house and a car if you're young. One or the other. There's nowhere a young person can afford to live that will have anything even close to a reasonable premium.

Sea_Shell

Have you never seen an episode of traffic cops?

It's usually either a Corsa or an Audi A3 involved, therefore again reflected in the overall risk.

Youngsters like Corsa's, therefore more Corsa's have accidents compared to other similar, less popular models.

Is it a low spec, as it came out of the factory model?