Some interesting info, might explain Insurance costs a little.

 Hence my insurance is cheap as I have a nice N.Wales postcode but I’d just like to point out that Anglesey is missing from that map!!!!! The part of N.Wales with the lowest risk and cheapest insurance prices is not present on the map 

So is IOM and a few others, not a good map day though . It's by Police force so maybe North Wales Police has disowned  Anglesey 

The mountain areas are obviously prone to more accidents, but those subtle Norfolk hills must really take people by surprise  

Top map is the safest/best places to own a car, bottom is most dangerous/worse place. Seems the mountains are safer for some reason. Low sun flat land is a major cause. Never realised car crime was so prolific in Scotland, more than double the rest of UK with London removed.

I’m screwed living in central London then lol 

my motorbike insurance went from £400 to £989 in a year. 

Car didn’t change funnily enough. 

Edited 16 December, 20187 yr by Madmax889

Nothing can explain insurance costs - even insurers can't explain their insurance costs.

Edited 16 December, 20187 yr by Guest

7 minutes ago, Scot5 said:

Nothing can explain insurance costs - even insurers can't explain their insurance costs.

 

They can, but why should they?

 

I bought a loaf of bread from Sainsburys this morning.

It was £1.10.

In Morrisons the same bread was £1

Should I have demanded that Sainburys explain in detail why theirs was more expensive?

My sister lives in Dundee, next to a perceptibly dodgy council homes area.

The insurance on their cars is around half ours on the semi rural edge of Chesterfield. 

2 hours ago, BJM said:

 

They can, but why should they?

 

I bought a loaf of bread from Sainsburys this morning.

It was £1.10.

In Morrisons the same bread was £1

Should I have demanded that Sainburys explain in detail why theirs was more expensive?

 

Sorry but I don't see what point you're making. It's not about two different insurers. You have twin brothers who live next door to each other in the same street - both of them have just bought brand new identical Octavia 1.0tsi SE's. If they both get a quote from the same insurer it's more than likey the prices will be different - how come? Try asking the insurer to account for the difference?  You say an insurer can - I'm saying they can't.  " Computer says no."

 

Insurance is no different from a bookmaker at the races - place a bet on horse #5 and you'll get 5-1. Next person places the same bet, on the same horse they may get 4-1.  Insurance is based on risk and how much funds the bookmaker or underwritter has in his bag at any one time. The reason bookies or insurers go broke is because they've get the odds wrong.

 

I'll add to that we lost my mum a couple of years ago. She wasn't really fit to drive for 5 years prior to that (she actually hadn't driven over for 20 years). When she died, we informed the insurer. My father's policy immediately increased by £70.  Perhaps you can explain the reason to me because their insurer certainly couldn't.  How can it be cheaper to have two drivers on the policy? My father's driven his car for 20 years without issue, my mum hadn't sat in the driving seat for 20 years, By the way, the £70 increase was on top of the standard admin fees.

 

     

Edited 16 December, 20187 yr by Guest

@gregoir  Not many places in Dundee that are not near to a dodgy housing scheme if you consider 1 mile to be near.

I bet that the biggest claims on insurance are from the not dodgy areas and no scumbags from the schemes had anything to do with it.

 

As to the whole of Scotland coming in at No2 on the 10 worst places to own a car chart that does seem to be just a load of sharn.

 

If Vehicle Offences in England & Wales do not include those taking a 'speed awareness course' then the figures will not be apples and apples between Scotland and England / Wales.

 

?

Is it Scottish Drivers or those in Scotland insuring cars be those Scottish or not?

Scottish drivers pay highest car insurance in the UK _ HeraldScotland.mhtml

Edited 16 December, 20187 yr by Offski

5 hours ago, teescom09 said:

Never realised car crime was so prolific in Scotland, more than double the rest of UK with London removed.

It's probably due to the dodgy one legged cyclists on the roads. 

^^^ & pavements!

7 hours ago, gregoir said:

My sister lives in Dundee, next to a perceptibly dodgy council homes area.

The insurance on their cars is around half ours on the semi rural edge of Chesterfield. 

Same cars, ages, records etc, unlikely? If do you need to shop around as your being ripped off big style

How can you lump an entire county (or even nation) together, when in-sewer-ants quotes are based on full post codes?

Not sure how accurate those maps are. Currently living in the 3rd "safest" area I've had higher premiums and seen worse drivers and accidents than I did living in the 10th worst area! Drivers in Norfolk really are something else compared to what I see most places....

It's probably down to trying to hold a steering wheel with six fingered webbed hands. 

On 16/12/2018 at 13:53, BJM said:

 

They can, but why should they?

 

I bought a loaf of bread from Sainsburys this morning.

It was £1.10.

In Morrisons the same bread was £1

Should I have demanded that Sainburys explain in detail why theirs was more expensive?

 

The extra 10p is for your Nectar points

8 hours ago, robt100 said:

Not sure how accurate those maps are. Currently living in the 3rd "safest" area I've had higher premiums and seen worse drivers and accidents than I did living in the 10th worst area! Drivers in Norfolk really are something else compared to what I see most places....

 

The maps have nothing to do with insurance zones, or postcodes, or claims etc. They relate solely to police force areas so, for example, as there is a now single police force covering the whole of Scotland the whole area is covered together.

 

Also if you read the small blue notation at the bottom of each picture the figures relate not to accidents and insurance claims, but to all legal matters relating to motor vehicles in which the police have been involved, including drunken driving, MOT offences, dangerous driving “no insurance” etc. etc. etc. (doesn’t seem to include speeding though) and are weighted supposedly to reflect the population etc.

 

In fact unless you are a Chief Constable whinging about lack of resources they actually look pretty meaningless.

Edited 21 December, 20187 yr by BJM

9 hours ago, robt100 said:

Drivers in Norfolk really are something else compared to what I see most places....

That may be because they're used to adopting "the Norfolk position" (i.e right down the middle to avoid the edges of the road that are breaking up)?

 

I soon got used to this, and the game of "chicken" when you met a car coming the other way, when I lived in Norfolk.