why is my insurance still expensive? suggestions please

[maverickdrives]

The initial message was deleted from this topic on 29 December 2020 at 20:37

[kambites]

A large part of it will probably be down to where you live.

[vtecyo]

maverickdrives said:

Leeds city centre

There's your answer.

[panholio]

Leeds has some pretty fruity postcodes from an insurers point of view.

[kambites]

What band is your postcode on this list: http://www.motorcarinsuranceuk.co.uk/post-code-rat... ?

The vast majority of Leeds postcodes seem to have horrible ratings.

[soad]

kambites said:

What band is your postcode on this list: http://www.motorcarinsuranceuk.co.uk/post-code-rat... ?

Will be F.

[Kev T360]

kambites said:

What band is your postcode on this list: http://www.motorcarinsuranceuk.co.uk/post-code-rat... ?

The vast majority of Leeds postcodes seem to have horrible ratings.

Thats good to know, thanks. All A's for me.

[Kev T360]

OP, also try looking at differnt cars that young|new drivers dont crash, possibly a classic.

Edited by Kev T360 on Thursday 29th May 15:59

[Vaud]

What did you expect in central Leeds?

[TooMany2cvs]

maverickdrives said:

i dont think so, I tried my mates post code just to compare he lives further away, its more expensive...

What does it do to the premium if you try LD6 5EA as a postcode...?

[garypotter]

maverickdrives said:

vtecyo said:

There's your answer.

i dont think so, I tried my mates post code just to compare he lives further away, its more expensive...

Most insurers have a credit check on the rating so if you use someone else's postcode, you will not match up with the records hence a bigger premium, also do you think that £1800 to insure against £20million of third party property damage and unlimited PI cover is alot??

[kambites]

You're far from alone in under-estimating how much different postcode makes to car insurance premiums.

[Vaud]

maverickdrives said:

considering I dont drive like an idiot so I dont believe I will cause that much damage.

No-one ever does.

Damage for injuries and long term care can run into millions.

[PimpmyHotwheels]

Must be location I'm 20 currently paying £600 for a 2.0 diesel with a tracker and this summer will renew with Elephant hopefully as it will be even less about £400(no tracker)

Edited by PimpmyHotwheels on Thursday 29th May 16:44

[TooMany2cvs]

maverickdrives said:

TooMany2cvs said:

What does it do to the premium if you try LD6 5EA as a postcode...?

£700 for a 1.6 Golf no blackbox

So there y'go. Confirmation that the problem is your postcode, definitely. You need to move away from urban Leeds.

That postcode belongs to the post office in a small town in the middle of Welsh rural nowhere, btw.

[Limpet]

I moved from an F* (Greater London) to a B postcode (rural-ish Hampshire) 10 years ago. It knocked between a third and a half off the insurance premiums of each of the cars and motorcycles we had at the time.

[kambites]

TooMany2cvs said:

So there y'go. Confirmation that the problem is your postcode, definitely. You need to move away from urban Leeds.

That postcode belongs to the post office in a small town in the middle of Welsh rural nowhere, btw.

My post-code is group-A too and I'm in a suburb of Southampton, so you don't have to live in the middle of nowhere to get cheap(ish) insurance.

[anonymous-user]

Its just how it is for young drivers at the moment.

One could argue that if you don't drive fast then why do you want a larger engined car? So you can spend more on fuel?

Why not try something with VW's 1.4tsi engine? Can be quick but still have a lower cc

[HertsBiker]

maverickdrives said:

garypotter said:

Most insurers have a credit check on the rating so if you use someone else's postcode, you will not match up with the records hence a bigger premium, also do you think that £1800 to insure against £20million of third party property damage and unlimited PI cover is alot??

forget the credit check, the cops stop me all the time so I think I will eventually get caught out and yes its alot and ridiculous considering I dont drive like an idiot so I dont believe I will cause that much damage.

Why does plod keep picking on you?

[TheFinners]

lord trumpton said:

Its just how it is for young drivers at the moment.

One could argue that if you don't drive fast then why do you want a larger engined car? So you can spend more on fuel?

Why not try something with VW's 1.4tsi engine? Can be quick but still have a lower cc

Insurers will look at power and performance rather than just engine capacity so a 1.4tsi is unlikely to be any better. The only thing that could help is finding a slightly more unusual car, one that you don't see as many young people driving.