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Discussion Starter #1
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.??
 

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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?
 

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Discussion Starter #3
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??
 

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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!?
 

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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.
 

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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!
 
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