I’ve just moved. I’ve informed my car insurers and they want more money. Not just the £25 admin fee but an increase in premium. I’ve moved to a much nicer area. More rural and not on the edge of Birmingham like my previous address.
I’m being told its because the new postcode could have had more claims etc etc . Take it or leave it sir. Something smells. I could understand if I moved the other way - from the sticks to edge of Brum. I think I’m being conned.
Can my postcode be checked?
23rd Jan 2023 4:39 pm
al cope
Member Since: 08 Nov 2005
Location: Oldbury, WM
Posts: 10352
Some rural areas have more crime and thefts, so it could be right. How about using one of the comparison sites with your new address and see what’s being quoted. If it’s close to what your existing lot want then you know they aren’t having you over.
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23rd Jan 2023 4:59 pm
Oxford-boy
Member Since: 07 Sep 2015
Location: Oxford
Posts: 1107
Re: Postcode checker for car insurance
kevofcov wrote:
I’ve just moved. I’ve informed my car insurers and they want more money. Not just the £25 admin fee but an increase in premium. I’ve moved to a much nicer area. More rural and not on the edge of Birmingham like my previous address.
I’m being told its because the new postcode could have had more claims etc etc . Take it or leave it sir. Something smells. I could understand if I moved the other way - from the sticks to edge of Brum. I think I’m being conned.
Can my postcode be checked?
I'd go elsewhere for your insurance...Jim
2014 Discovery 4 XXV SDV6 Causeway Grey
2016 Discovery 4 HSE Lux SDV6 Loire Blue - now gone
23rd Jan 2023 5:04 pm
Gareth Site Moderator
Member Since: 07 Dec 2004
Location: Bramhall
Posts: 26774
If it’s a wealthier area, there will be more Range Rovers and Beemers, and as they get targeted, it’s a riskier area.
23rd Jan 2023 5:35 pm
LT
Member Since: 31 Dec 2005
Location: South West
Posts: 23823
Have you tried NFU Mutual?
I don't know exactly how they underwrite, but for some like me, they offer very competitive premiums.
Sadly, I can vouch for how good they are when it comes to dealing with a claim.2006 D3 HSE (Original & still the best)-GONE
2010 D4 HSE (A bit bling)-GONE
2014 D4 HSE (Almost too bling)-GONE
2015 D4 HSE (A heated what?)-GONE
2016 D4 Landmark (Written Off)-GONE
2016 D4 Landmark (Surely the last!) PD1881 rims-GONE
2017 FFRR SDV8 Autobiography (now semi-retired)
23rd Jan 2023 6:12 pm
rrhool
Member Since: 28 Aug 2014
Location: Norfolk
Posts: 4519
NFU Mutual have some strange quirks. I insure my Tractor with NFU, but they won't quote my Discovery. This is rural Norfolk, I'd imagine NFU insure lots of 4x4 farmers vehicles?Richard
D3 SE 2007. Triumph 2.5Pi 1973. Ferguson TEA20 1948.
Discovery 2 4.0 ES 2001- Gone
Discovery 1 300Tdi ES '95 - Gone
Range Rover Classic '79 - Gone
23rd Jan 2023 6:22 pm
Gareth Site Moderator
Member Since: 07 Dec 2004
Location: Bramhall
Posts: 26774
I’m with NFU for my L663 Defender. I live in not so rural south Manchester!
23rd Jan 2023 6:25 pm
LT
Member Since: 31 Dec 2005
Location: South West
Posts: 23823
rrhool wrote:
NFU Mutual have some strange quirks. I insure my Tractor with NFU, but they won't quote my Discovery. This is rural Norfolk, I'd imagine NFU insure lots of 4x4 farmers vehicles?
Yeah, their underwriting is a total mystery. All I can say to anyone is try them and see if they work for you. 2006 D3 HSE (Original & still the best)-GONE
2010 D4 HSE (A bit bling)-GONE
2014 D4 HSE (Almost too bling)-GONE
2015 D4 HSE (A heated what?)-GONE
2016 D4 Landmark (Written Off)-GONE
2016 D4 Landmark (Surely the last!) PD1881 rims-GONE
2017 FFRR SDV8 Autobiography (now semi-retired)
NFU Mutual have some strange quirks. I insure my Tractor with NFU, but they won't quote my Discovery. This is rural Norfolk, I'd imagine NFU insure lots of 4x4 farmers vehicles?
NFU do our house insurance but won’t do our car insurance.
23rd Jan 2023 7:32 pm
Shaun R.
Member Since: 13 Sep 2016
Location: Warlingham, Surrey
Posts: 145
NFU quote was double the next highest quote when I was looking. They couldn't explain why......
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