I totally agree with you, there are so many things that we are overcharged for...

Of course they can drop the insurance by 13 % after increasing it by 50%, so in the end what comes across is that actually they are lowering prices and giving you a great offer..

it is a 1.4 litre fiat grande punto, standard car, not an import and I have not had a policy cancelled.

I agree with everything said, insurance company has to make money, fraudsters have to commit fraud, Birmingham central is expensive to insure and so on. But what happened to the way that insurance used to function, you have no claims and every year they lower your premium, it seems that some kind of method is being used, the only way I can describe it is probability method where by no matter how many claims are made we are still covered because we are overcharging everyone else, therefore there is no way we loose out. Insurance policies can be tailored if the insurance wanted to tailor them, for example, no whiplash claim included in your policy, higher excess, no fire and theft, passengers not covered, etc. I am sure that like anything else insurance can be tailored

Hi, thanks for the reply. Of course I tried different options, comparison sites, brokers, etc. I am quite savvy when it comes to purchases etc but the real question here is why is this method applied, why are people overcharged and the ones that cannot afford it being forced to lie on their insurance policies, effectively criminalizing themselves...

Hi there, I was recently given a quote for my car insurance, the quote was £3400 for insuring a fiat punto. I have 10 years no claims, no convictions, high voluntary excess, etc but just because I live in a B9 post code my insurance premium has gone through the roof. Now, who do I complain to, no one, the fact that I am a good driver with no previous claims goes unnoticed. I can understand that there is certain criteria when insuring someone, age, risk, convictions, crime rate, etc. I then realised that the situation was the same for the residents of B2-B12 postcodes, that is probably around 50000 drivers paying overpriced premiums. Are you in similar situation and had same experience? What can be done if anything and I am not talking about lying in order to bring the cost of your policy.