{"id":44196,"date":"2023-12-04T14:19:19","date_gmt":"2023-12-04T14:19:19","guid":{"rendered":"https:\/\/lethal-industry.com\/?p=44196"},"modified":"2023-12-04T14:19:19","modified_gmt":"2023-12-04T14:19:19","slug":"map-shows-where-in-the-uk-youll-pay-more-car-insurance-than-anywhere-else","status":"publish","type":"post","link":"https:\/\/lethal-industry.com\/world-news\/map-shows-where-in-the-uk-youll-pay-more-car-insurance-than-anywhere-else\/","title":{"rendered":"Map shows where in the UK you’ll pay more car insurance than anywhere else"},"content":{"rendered":"

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Drivers face an insurance postcode lottery that can see them paying up to 66 per cent more for car insurance premiums depending on where they live, the Express can reveal.<\/p>\n

The problem does not end with premiums either, as if you are in a \u2018risky\u2019 area many insurers also charge high unavoidable excesses \u2013 the cash you have to pay before a claim is paid out.\u00a0<\/span><\/span>\u00a0<\/p>\n

Many factors go into calculating how much drivers pay for their premiums, such as driving history and the type of vehicle.\u00a0<\/span><\/span><\/p>\n

But analysis from the Express has revealed that location really can make a massive difference to the cost of your policy.<\/span>\u00a0<\/p>\n

Insurers tend to keep a tight lid on exactly how they set their rates, but it is known factors such as theft, the chance of flooding and the probability of having a crash are all taken into account, when it comes to your address.<\/span><\/p>\n

A number of quotes were obtained for a range of vehicles keeping everything the same except the postcodes.\u00a0<\/span><\/span><\/p>\n

The locations ranged from London, the place with the UK\u2019s highest premiums, to the South West of England, which boasted the lowest \u2013 and everything in between.\u00a0<\/p>\n

Unsurprisingly, motorists in the capital were paying \u00a3854.41 on average in the third quarter of this year, compared to \u00a3512.03 for drivers in the South West.\u00a0<\/span><\/span>\u00a0<\/p>\n

Meanwhile, drivers in the West Midlands were paying on average \u00a3707.91 to their insurer, compared to \u00a3561.78 a year on average for Scottish drivers.<\/span><\/p>\n

The research, conducted on behalf of the Express by Quotezone.co.uk and based on a sample of 100,000 policies, showed that car insurance premiums have risen in every region of the UK in the last 12 months by 12.5 per cent on average.\u00a0<\/p>\n

Car owners in London, the West Midlands and Wales have been hit the hardest by price rises, all seeing increases of 16 per cent on average in the last year.<\/span><\/p>\n

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But it is not just premiums that go up depending on where you live \u2013 your compulsory excess can too.<\/p>\n

That is something often overlooked by consumers buying car insurance, which is often done based on the premium price.\u00a0<\/span><\/span>\u00a0<\/p>\n

Much like the premium examples above, people living in postcodes seen as riskier by insurers tend to pay higher excesses.\u00a0<\/span><\/span><\/p>\n

But this is not true across the board. According to a recent analysis by This is Money, a driver insuring a Ford Focus would pay an excess of \u00a3150 in East London \u2013 the \u2018riskiest\u2019 area tested.<\/span>\u00a0<\/p>\n

That excess rises to \u00a3350 for both West London and Shropshire. For other cars, compulsory excesses stay the same regardless of the location.<\/span><\/p>\n