Insurance post code catagories - Alfa Romeo Forum
You are currently unregistered, register for more features.    
 
Thread Tools
(Post Link) post #1 of 7 Old 30-07-12 Thread Starter
Status: leaving
AO Silver Member
 
neilied's Avatar
 
Join Date: Jun 2006
Location: United Kingdom
County: Cardiff
Posts: 1,055
Insurance post code catagories

well having just moved house i thought i would check the postcode rating difference, having amended my policy details and told there would be no premium change i had a look.

risk rating a - f. a = good, f= worst

old address CF24 1NU (house) = F risk, car parked on public road day and night

New address RG8 7AR (pub/restaurant) = B risk, car secured parked at day and night (gated)

Did a meercat search for my subaru using the above criteria

admiral came out on top but.....

Old = £1245
New = £1495

all other details remain the same??? how can this be??

Currently i have the home fleet policy from tradex, this year it was £1095 with 7 yr NCB no crash or conv. this covers both my WRX and my GTV V6. but last year it was £890 and the year before £630. dread to think what next year could be and the fact that the risk rating and conditions of parking made no diff.??

Neil
V6 Diff Failure Club - Member No 2

R '98 GTV V6 Phase 1 Red. RIP
Phase 2 GTV V6 tan leather aerokit and so on

Walking, an alfa owners most popular past time
neilied is offline  
Sponsored Links
Advertisement
 
Status: -
Identity Confirmed
Authorised Trader
 
skyinsurance's Avatar
 
Join Date: Jul 2010
Location: United Kingdom
County: Hertfordshire
Posts: 97

Member car:

MR2 Mk1.5

Insurers use their own area ratings, I assume you are looking at the generic 'guide' which has been floating around for a number of years?
skyinsurance is offline  
(Post Link) post #3 of 7 Old 31-07-12 Thread Starter
Status: leaving
AO Silver Member
 
neilied's Avatar
 
Join Date: Jun 2006
Location: United Kingdom
County: Cardiff
Posts: 1,055
yeah guess so, however moving from city centre of cardiff to a sleepy berkshire village and changing the storing of my cars from on the street to locked behind a gated drive/compound must count for something??
neilied is offline  
Status: new car arriving soon :)
AO Silver Member
 
mymito10's Avatar
 
Join Date: May 2010
Location: United Kingdom
County: Aberdeenshire
Posts: 2,073

Member car:

156 GTA, Boxster

I think on the whole that all insurance renewals are more expensive irrespective of whether you have claimed or not as they are hiking prices up across the board.

I still find that Admiral's multi policy is the best for our 4 Alfas - £760 last year - though hate to think what it will be in December!?
mymito10 is offline  
Status: -
Identity Confirmed
Authorised Trader
 
skyinsurance's Avatar
 
Join Date: Jul 2010
Location: United Kingdom
County: Hertfordshire
Posts: 97

Member car:

MR2 Mk1.5

Quote:
Originally Posted by neilied View Post
yeah guess so, however moving from city centre of cardiff to a sleepy berkshire village and changing the storing of my cars from on the street to locked behind a gated drive/compound must count for something??
Yes and no, it's hard to answer on behalf of another insurer and without knowing the postcodes. Some insurers will actually increase premiums for cars kept in garages/on driveways over street parking, again this is all about claims/loss ratios with those particular insurers. Some postcodes, despite being affluent areas suffer from high claims/loss ratios, a good example being the 'SL' postcode area. It may be worth comparing what you currently pay against quotations from different insurers.
skyinsurance is offline  
Status: -
Identity Confirmed
Authorised Trader
 
skyinsurance's Avatar
 
Join Date: Jul 2010
Location: United Kingdom
County: Hertfordshire
Posts: 97

Member car:

MR2 Mk1.5

What is wrong with the quote tabs on this forum?
skyinsurance is offline  
Status: -
AO Gold Member
 
Join Date: Jul 2004
Location: United Kingdom
County: Derbyshire
Posts: 6,480
I'm very cynical about the use of Post Codes as a means of identifying risk. Some years ago the Post Office reorganised our mail deliveries which meant a change of Post Code, as a result of which our house & car insurance premiums went down about 5%. Same cars,same house, same risk but according to the insurance companies we'd moved into a lower-risk area!
Dave Brand is online now  
Reply

Go Back   Alfa Romeo Forum > Vendors > Insurance Section

Tags
catagories , code , insurance , post

Thread Tools
Show Printable Version Show Printable Version
Email this Page Email this Page



Similar Threads
Thread Thread Starter Forum Replies Last Post
Insurance companies and the post office keithyboy Rant Room 10 05-08-11 20:43
166 3.0 v6 yellow code light on!!! brianpaul Alfa 164 & 166 9 03-08-11 21:31
Introduce yourself threads PD. Rant Room 39 25-02-09 01:13

Posting Rules  
You may post new threads
You may post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is Off
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off

 
For the best viewing experience please update your browser to Google Chrome