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The Risk Letter Is Based On The Postcode District Whereas Our Vehicle Crime.
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House Insurance Postcode Ratings Are One Of The Main Underlying Metrics Insurers Use To Work Out Your Premium.
Insurers group postcodes into different bands, similarly to how cars are categorised into for insurance premium purposes. They consider all sorts of factors to assess the risk, and one of those is your postcode. Car insurance postcode ratings are primarily affected by an area’s crime statistics and for some drivers living in larger cities, this can be an unlucky postcode lottery.
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Another major factor is how many claims are made in that. Because you do most of your driving close to home, your postcode holds key. Insurance companies dont release to the public information on how.
