Ed Atherton knows he has a fight on his hands every time he renews his annual motor insurance. With a job as a finance and administration assistant and a five-year no claims bonus, he should be a good risk. That he wants to cover a six-year-old VW Passat – a “bog standard family car” – should mean that his premium is unremarkable. The problem Atherton and his wife Jenny have is that they live in Salford, Manchester. When insurers discover this they start ramping up their premium quotes.
Like thousands of motorists across the UK, they are being punished purely because of where their home is – even if they rarely claim on their policy. This isn’t just a problem for drivers: households in high-crime areas also face higher household insurance premiums, while those in flood-prone districts struggle to get cover at all, turning certain postcodes into insurance blackspots.
Related: AA reports rise in car insurance premiums
We were paying £250 a year for contents cover at one postcode. At our new postcode, a minute away, it was £470
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