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13-09-2007
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#26 (Post Link)
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AO Silver Member
Join Date: Jan 2007
Location: Gloucestershire
Posts: 2,391
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Re: Your postcode as Insurers see it
I'm GL - low risk
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14-09-2007
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#27 (Post Link)
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AO Silver Member
Join Date: Apr 2007
Location: SW London
Posts: 2,082
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Re: Your postcode as Insurers see it
Hahaha! I'm a "Refer" area! But how crazy is this, grassy green rich calm Wimbledon (SW19) is group F!! WTF????
That's not a high crime or collision area, that's just milking it on the basis that people will probably be able to afford it.
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14-09-2007
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#28 (Post Link)
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Super Moderator
Join Date: May 2007
Location: United Kingdom
Posts: 11,760
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Re: Your postcode as Insurers see it
Originally Posted by Commanderfish
Hahaha! I'm a "Refer" area! But how crazy is this, grassy green rich calm Wimbledon (SW19) is group F!! WTF????
That's not a high crime or collision area, that's just milking it on the basis that people will probably be able to afford it.
You can so deal with it.  Brera Boy. |
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14-09-2007
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#29 (Post Link)
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AO Member
Join Date: Sep 2007
Location: East Sussex
Posts: 650
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Re: Your postcode as Insurers see it
I am in area B or as my insurer sees it a band 16
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15-09-2007
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#30 (Post Link)
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AO Member
Join Date: Oct 2006
Location: ESSEX,England
Posts: 84
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Re: Your postcode as Insurers see it
I'm in SS2...  = B  |
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15-09-2007
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#31 (Post Link)
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Club Member
Club Member Number: 72
Join Date: Feb 2007
Location: burton on trent
Posts: 6,224
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Re: Your postcode as Insurers see it
DE13, B. That'll do for me. |
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15-09-2007
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#32 (Post Link)
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Club Member
Club Member Number: 85
Join Date: May 2006
Location: Brighton, UK
Posts: 3,753
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Re: Your postcode as Insurers see it
"A"
So paying through the nose for village-life-by-the-sea is paying "dividends" now eh?  |
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15-09-2007
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#33 (Post Link)
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AO Platinum Member
Join Date: Oct 2006
Location: United Kingdom
Posts: 16,137
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Re: Your postcode as Insurers see it
'A' For ours,I think? Still observed a Porker, that was lifted from a showroom frontage, some years back now though. Anyone want to buy a three-bed detached, three level, town house, with a double-width garage, close to the M25,M1, A41, 10 mins walk from a mainline station into the city,(35mins?) 40 Mins. point to point, from Luton airport. Offers in the region of??  : Well, it might save putting a board up, and using estate agents. |
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16-09-2007
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#34 (Post Link)
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Join Date: Dec 2006
Location: AO Club Number: 9
Posts: 14,607
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Re: Your postcode as Insurers see it
mine says refer  |
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19-09-2007
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#35 (Post Link)
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AO Member
Join Date: Feb 2007
Location: Ireland
Posts: 666
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Re: Your postcode as Insurers see it
belfast isnt even on it 
tbf i reckon that is probably the map used by one insurer but each firm probably has its own way of working out the risks of each area. |
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20-09-2007
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#36 (Post Link)
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AO Member
Join Date: Sep 2007
Location: East Sussex
Posts: 650
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Re: Your postcode as Insurers see it
I know our company does not cover Northern Ireland |
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21-09-2007
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#37 (Post Link)
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AO Member
Join Date: Dec 2006
Location: London
Posts: 177
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Re: Your postcode as Insurers see it
Originally Posted by Simes
The table has been goign around for years ... I don't think it's been updated
I just moved to a much nicer area and I went to F  . Sadly I think it is up to date: http://www.carinsuranceexplained.com...tcode_risk.htm |
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21-09-2007
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#38 (Post Link)
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AO Member
Join Date: Dec 2006
Location: London
Posts: 177
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Re: Your postcode as Insurers see it
Just did my change of address and it didn't go up |
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21-09-2007
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#39 (Post Link)
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Join Date: Dec 2006
Location: AO Club Number: 9
Posts: 14,607
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Re: Your postcode as Insurers see it
i am moving out of london  |
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22-09-2007
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#40 (Post Link)
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AO Member
Join Date: Mar 2006
Location: Liverpool
Posts: 385
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i wonder if insurance people use british crime survey data to estimate risk. low and high risk areas would be changing regularly - i.e potentially every quarter dependant on trends of course
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22-09-2007
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#41 (Post Link)
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AO Member
Join Date: Mar 2006
Location: Liverpool
Posts: 385
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Re: Your postcode as Insurers see it
house prices where i live in liverpool are supposed 2 reflect a nice middle class professional with good schools area but clearly insurers dont see it that way
ps probably the only time i will ever consult a ford mondeo web site - but thanks
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22-09-2007
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#42 (Post Link)
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Join Date: Dec 2006
Location: AO Club Number: 9
Posts: 14,607
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Re: Your postcode as Insurers see it
when your area is called brixton and insurers say refer, i will move |
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22-09-2007
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#43 (Post Link)
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Club Member
Club Member Number: 384
Join Date: Jan 2007
Location: Lincolnshire
Posts: 20,615
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Re: Your postcode as Insurers see it
Low risk for me
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22-09-2007
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#44 (Post Link)
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AO Member
Join Date: Sep 2007
Location: East Sussex
Posts: 650
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Re: Your postcode as Insurers see it
Originally Posted by ivorycalthorpe
i wonder if insurance people use british crime survey data to estimate risk. low and high risk areas would be changing regularly - i.e potentially every quarter dependant on trends of course
Underwriters are big fans of statistics...They look at things in black and white and update the rates every 30 days where I work.... They also use the ABI rating areas as guides only...... |
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24-09-2007
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#45 (Post Link)
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AO Silver Member
Join Date: Jul 2006
Location: Shrewsbury
Posts: 2,588
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Re: Your postcode as Insurers see it
I dread to think what my premium would be like if I didn't live in an 'A' graded postcode! |
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25-09-2007
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#46 (Post Link)
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AO Member
Join Date: Sep 2007
Posts: 51
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Re: Your postcode as Insurers see it
I went from an HA3 Code - SG7 and it went from £800 - £500 Bargin.
Apparantly there's a company called swiftcover.co.uk there ment to be really cheap.
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27-09-2007
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#47 (Post Link)
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AO Silver Member
Join Date: Feb 2002
Location: Grangemouth
Posts: 3,955
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Re: Your postcode as Insurers see it
Originally Posted by ACAPULCO AL
my area is an F and i'm in a very affluent area miles out in leafy suburbia 
Yeah, my parents old 6 bedroomed house in the most affluent and sought after part of the city is a "D" 
That area is basically all big houses, good schools etc etc. Basically the sort of place you wouldn't mind living and bringing up kids blah blah.
Yet the Schemes full of junkies, thieves and low-lifes are all lower.
Why's that then ?? I don't remember anybody coming to our house to steal my Dads Alfa or V6 Renault 25 |
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28-02-2008
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#48 (Post Link)
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Newbie
Join Date: Feb 2008
Posts: 4
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Re: Your postcode as Insurers see it
Apparently this is an up to date list of "undesirable" post codes, these are based on previous history of claims in these areas:-
Postcode Sectors Postcode Sectors Postcode Sector
B1 1 to 3 B68 0, 8 and 9 BS2 0 and 9
B2 4 and 5 B69 1 to 4 BS4 1
B3 1 to 3 B70 0, 6 to 9 BS5 0
B4 6 and 7 B71 1 to 4 BS13 0
B5 4 to 7
B6 4 to 7 BB1 1 to 3, 5 to 7 BT All
B7 4 and 5c BB2 1 and 4
B8 1 to 3 BB5 1 CF1 1 to 9
B9 4 and 5 BB9 9 CF2 1 to 7
B10 0 and 9 BB11 1 and 5 CF4 1 to 9
B11 1 to 4 CF5 3, 4 and 5
B12 0, 8 and 9 BD1 1 to 5 CF14 0 to 9
B13 0, 8 and 9 BD2 1 to 4 CF15 7, 8, 9
B15 1 to 3 BD3 0, 7 to 9 CF23 5 to 9
B16 0 and 8 BD4 0, 6 to 9 CF24 0 to 5
B18 4 to 7 BD5 0, 7 to 9 CF38 1 and 2
B19 1 to 3 BD6 1 to 3 CF39 0, 8 and 9
B20 1 to 3 BD7 1 to 4 CF72 8 and 9
B21 0, 8 and 9 BD8 0, 7 to 9 CF81 8 and 9
B23 5 to 7 BD9 4 to 6 CF82 7 and 8
B24 0 and 8 BD10 0, 8 and 9 CF83 1 to 4
B25 8 BD12 8
B27 7 BD15 7 CH41 1 to 9
B29 5 BD18 1 to 4 CH42 0 to 9
B31 1 BD21 1 to 5 CH43 0 to 9
B33 0, 8 and 9 BD22 6 CH44 0 to 9
B34 7 CH45 0 to 9
B35 6 and 7 BL0 0 and 9 CH46 1, 2, 4, 8
B38 9 BL1 1 to 8 CH49 7, 8, 9
B44 0 BL2 1 to 6 CH61 0 to 9
B66 1 to 4 BL3 3, 5, 6 CH65 0, 2, 4, 7
B67 5 to 7 BL9 0, 5 to 9
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