How Where You Live Affects Your Car Insurance Premiums

If you want to save money on your car insurance, then the best thing to do may be...
To Move!

One of the most important rating factors used to calculate your car insurance premiums is your postcode, or risk address of where your vehicle is kept overnight. If you live a a 'bad' postcode area your premium will be hammered!

Endsleigh have just released their annual motor theft index, based on analysis of claims over the last three years from tens of thousands of policyholders.






The report, ranks towns and cities by comparing the frequency of claims against a National Average rather than the total number of incidents.



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The report shows that Swindon is the safest place in the country for claims, with another West Country town Cheltenham coming in second. Incidently, Endsleigh just happens to be based in Cheltenham.

Hull fared the worst with 85% more claims than the UK National average.

A spokesman for Endsleigh said: "Recent Government statistics have shown a national reduction in car crime by almost a fifth over the past year, however, some towns and cities are riskier than others.

"Endsleigh's statistics show that eight out of the top 10 riskiest places for motor theft are in the Midlands and North of England, with four cities in Yorkshire making the list.

Only two cities in southern England, London and Reading, are named in the top 10."

The Coppers from Humberside have challenged the findings and produced other statistics to show vehicle crime was falling in Hull.

Det Chief Insp Scott Young said: "Vehicle crime is an area of success for Hull and it is difficult to gauge how Endsleigh Insurance captures its data.

"I am very pleased to say,however, that using official sources, Hull performs exceptionally well in the area of vehicle crime and I would gladly counter any other argument in relation to that.

"Hull is a safe place to live and work and Humberside Police works very hard to ensure that it stays that way."

Whether the Police feel they are doing their job in your area or not, is at the end of the day irrelevant, as the Association of British Insurers (ABI) produce the postcode tables from aggregated claims data, which is used by the major UK car insurance companies for rating.

If you are fortunate enough to live in Swindon, Cheltenham, Solihull, Southampton, Bangor, Norwich, Exeter, Maidstone, Preston or Lincoln we suggest you definitely check out Endsleigh for Cheaper car insurance.

If you are unfortunate enough to live in Hull, Nottingham, Manchester, Doncaster, London or any other place that has a high degree of joy-riders, we suggest you compare car insurance using one of the many excellent comparison websites you will find on Car Insurance Television.

Tesco Car Insurance - Cheaper Car Insurance Underwriters?

A pint of milk and a loaf of bread please! Here's my clubcard and and can you add my son to my car insurance ploicy for the weekend?

Tesco Car Insurance part of Tesco Personal finances division looks set to switch from its current underwiting agreement with RBS owned UK Insurance to a new provider, the Belgium/Dutch owned consortium Fortis.



The supermarket chain receives about £500 million a year in gross written premiums from insurance sales, which it expects to grow. Around half of this comes from the sale of car insurance. Tesco said that around 1500 extra jobs will be created in addition to its current staff and would help to support an expansion drive of its personal finance arm, to deliberately exploit the weakness of high street banks, and high street walk in car insurance sellers. Tesco Stated that general insurance was central to those growth plans.


Tesco Car Insurance

Fortis and Tesco are expected to agree final terms within the next few months. If the changes happen, the partnership will be underwriting new policies by the second half of next year. Fortis already underwrites insurance policies sold by other Supermarket suppliers Marks & Spencer, and has recently agreed to sell car insurance for John Lewis, an M&S rival. In the past year it has renewed existing contracts to sell travel insurance policies for A&L and the Post Office, both of which have very large high street retail outlets.

Tesco previously ran the personal finance arm in a fifty fifty joint venture with the Royal Bank of scotland.
Tesco recently spent £950 million buying RBS out of the partnership and taking full control. A spokesman for Tesco said that since then, the company’s plan had always been to find a different insurance provider to underwrite policies.

We await to see what will happen to Tesco Compare, the aggressive Internet operator which is we believe, run seperately to the rest of the division and compares car insurance against products from amongst others - RBS!




Compare Car Insurance for Cheap Car Insurance

Refused Online Car Insurance? Computer says No!

Compare Car Insurance? Computer says No!

There's a strong possibility that when you go to an online car insurer to compare quotes they may at some point in the process of quoting, decline to cover you or refuse to offer you a car insurance quote.

DO NOT take this personaly as it merely reflects that the insurance cover wasn't right for your particular circumstances, which is the whole point of buying it in the first place - cover for You and Your car.

Being refused car insurance online could be for all sorts of reasons which we'll examine here, and is just as likely to happen on a large car insurance comparison site as on a smaller independent suppliers online quoting system.

The large comparison sites, are perhaps the largest offenders at not giving a quote , and quite often no ready explanation of why they can't!
Standard car insurance comparison websites are in the dilemma of trying to please all the people all the time and it is therefore difficult for them to ask the habitual preliminary screening questions that you would find at the beginning of the script of a smaller specialist online car insurance website.
That is the price of standardisation of what in the UK car insurance market is a set or collection of many different much smaller risk groups or pools, each with their own agenda.

Here is a list of a few of the reasons why you may be cut off in midpoint when trying to get a car insurance quote online:

1. Your Age - there are usually policy specific age cut off points at either end. Both young drivers and senior drivers may find themselves falling foul of this one!

2. Your Postcode: This is a big one that wipes out many a potential deal half way throygh the quote process. It's an unfortunate fact of life that the place where you live largely determines how much car insurance you will pay. Once some insurers systems know your postcode you may find cover refused.

3. Your Car: each Car Insurance Company has a particular set of people and types of car that they prefer to insure. If by answering the questions on the online quote form that don't match what the computer hs been programmed to accept - you will be declined.

Car-Insurance.tv is a new innovation in online car insurance comparison in that it has at its disposal hundreds of individual car insurance schemes thought up by many affinity groups with the sole purpose of providing tailored bespoke and precise cover online - no matter who you are, what you drive or whether you have modified the vehicle or have convictions, Car-Insurance.tv can cover you.

The online application covers every new, classic car, collectors car, sports car and performance car ever made and you can compare quotes and buy online in a matter of minutes.
Chooose from some of the highest quality motor insurance schemes available in the UK.
A team of experts and car insurance specialists is on hand at the end of a phone to help you should you have very unusual car insurance needs or get stuck at some point during the quote, ensuring that you'll never be refused car insurance online again!
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