All you want to know about insurance !!

[KDF]

This thread will be updated as new information comes in. Thanks to all those who contributed, your names should be listed along with the information. If not PM me and I will add your name.


The numbers refer to posts after this one.

1. Insurance Group by Postcode (thx to stusV6)
2. List of Insurance Groups + Contact details. (thx to DAVE_RSi)
3. Insuring Cars in Parents Name (thx hip_spasm)

 

[KDF]

1. Insurance Group by Postcode

A = Low Risk
F = High Risk

(the star means - Any motor cycle based in Areas D, E or F must be garaged in a locked and secure building whilst at the policyholders address. This document was for motorbikes tho, so obviously cars dont have to be garaged like bikes apart from maybe in certain bad areas.)

AB Aberdeen
10-16, 21-25, 30-39, 41-45, 51-56 . . . . . . . A
AL St Albans
1, 7 . . . . . . . . . . . . . . . . . . . . . C
2-3, 8-10 . . . . . . . . . . . . . . . . . . . D *
4-6 . . . . . . . . . . . . . . . . . . . . . . B
B Birmingham
1-21 . . . . . . . . . . . . . . . . . . . . . Refer
23-26, 36, 70 . . . . . . . . . . . . . . . . . E *
27, 29, 31-35, 37-38, 42-44, 66-69, 71. . . . . D *
28, 30, 40, 46-47, 62-63, 72-77, 79 . . . . . . C
45, 48-50, 60, 64, 65, 78, 90-98 . . . . . . . B
61, 80 . . . . . . . . . . . . . . . . . . . . A
BA Bath
1-2, 5, 6, 8, 11-14 . . . . . . . . . . . . . . B
3, 7, 9-10, 15-16, 20-22 . . . . . . . . . . . A
4 . . . . . . . . . . . . . . . . . . . . . . . C
BB Blackburn
1, 4-5, 8, 10, 12, 18 . . . . . . . . . . . . . D *
2-3, 11 . . . . . . . . . . . . . . . . . . . . E *
6, 9 . . . . . . . . . . . . . . . . . . . . . C
7 . . . . . . . . . . . . . . . . . . . . .. . B
BD Bradford
1, 3, 4, 7 . . . . . . . . . . . . . . . . . . Refer
2, 9, 10 . . . . . . . . . . . . . . . . . . . F *
5, 11, 15, 19, 21 . . . . . . . . . . . . . . . D *
6, 8, 12-14, 16-18, 20, 22 . . . . . . . . . . E *
23-24 . . . . . . . . . . . . . . . . . . . . . A
BH Bournemouth
1-5 . . . . . . . . . . . . . . . . . . . . . . C
6-7, 11, 13, 15, 17-18, 25 . . . . . . . . . . .B
8-10, 12, 14, 16, 19-24, 31 . . . . . . . . . . A
BL Bolton
0-2, 6 . . . . . . . . . . . . . . . . . . . . E *
3-5, 7-9 . . . . . . . . . . . . . . . . . . . F *
BN Brighton
1-3 . . . . . . . . . . . . . . . . . . . . . . D *
5-8, 13-14, 17, 24, 27, 41-42, 44-45 . . . . . A
9-12, 15-16, 18, 21-23, 25-26, 43 . . . . . . . B
20 . . . . . . . . . . . . . . . . . . . . . . C
BR Bromley
1, 3-5, 7 . . . . . . . . . . . . . . . . . . . E *
2 . . . . . . . . . . . . . . . . . . . . . . . D *
6, 8 . . . . . . . . . . . . . . . . . . . . .. C
BS Bristol
1, 3, 5, 11 . . . . . . . . . . . . . . . . . . E *
2 . . . . . . . . . . . . . . . . . . . . . . . Refer
4, 6-7, 10 . . . . . . . . . . . . . . . . . . D *
8-9, 13-16, 23, 30, 32, 34-35 . . . . . . . . . C
20, 22, 24-25, 29, 31, 39, 40-41 . . . . . . . .B
21, 26-28, 36-37, 48-49 . . . . . . . . . . . . A
CA Carlisle
1-3, 5, 7, 13, 18-21, 23-24, 26-27 . . . . . . .B
4, 6, 8-12, 15-17, 22, 25 . . . . . . . . . . . A
14, 28 . . . . . . . . . . . . . . . . . . . .. C
CB Cambridge
1, 5, 9 . . . . . . . . . . . . . . . . . . . . B
2-4, 6-8, 10-11 . . . . . . . . . . . . . . . . A
CF Cardiff
3, 15, 42, 61-62, 71-72 . . . . . . . . . . . . E *
5, 10-11, 14, 23-24, 63-64 . . . . . . . . . . F *
31-41, 43-48, 81-83 . . . . . . . . . . . . . . D *
CH Chester
1, 64-66 . . . . . . . . . . . . . . . . . . .. C
2-8 . . . . . . . . . . . . . . . . . . . . . . B
41-42, 44 . . . . . . . . . . . . . . . . . . . F *
43, 45-46 . . . . . . . . . . . . . . . . . . . E *
47-49, 60-63 . . . . . . . . . . . . . . . . .. D *
CM Chelmsford
0, 2, 4, 8-9, 11-12, 17 . . . . . . . . . . . . B
1, 3, 6-7 . . . . . . . . . . . . . . . . . . . A
5, 13-14, 16, 20-24 . . . . . . . . . . . . . . C
15, 18 . . . . . . . . . . . . . . . . . . . . D *
19 . . . . . . . . . . . . . . . . . . . . . . E *
CO Colchester
1 . . . . . . . . . . . . . . . . . . . . . . . C
2-3, 5, 8, 10, 15-16 . . . . . . . . . . .. . . A
4, 6-7, 9, 11-14 . . . . . . . . . . . . .. . . B
CR Croydon
0, 4, 7 . . . . . . . . . . . . . . . . . . . . F *
2, 8-9 . . . . . . . . . . . . . . . . . . . . E *
3, 5-6 . . . . . . . . . . . . . . . . . . . . D *
CT Canterbury
1-2, 4, 6, 8-12, 16-17, 19-20 . . . . . . . . . C
3, 5, 7, 14, 18 . . . . . . . . . . . . . . . . B
13, 15, 21 . . . . . . . . . . . . . . . . . . A
CV Coventry
1-3, 6 . . . . . . . . . . . . . . . . . . . . E *
4-5, 7, 11-12 . . . . . . . . . . . . . . . . . D *
8-10 . . . . . . . . . . . . . . . . . . . . . C
13, 21-23, 31-34, 47 . . . . . . . . . . . . . B
35-37 . . . . . . . . . . . . . . . . . . . . . A
CW Crewe
1, 3, 5, 7, 9 . . . . . . . . . . . . . . . . . B
2, 4, 6, 8, 10-11 . . . . . . . . . . . . . . . A
12 . . . . . . . . . . . . . . . . . . .. . . . C
DA Dartford
1, 5, 7, 9, 10 . . . . . . . . . . . . . . . . E *
2-3, 6, 11-13 . . . . . . . . . . . . . . . . . D *
4 . . . . . . . . . . . . . . . . . . . . . . . C
8, 14-18 . . . . . . . . . . . . . . . . .. . . F *
DD Dundee
1-3 . . . . . . . . . . . . . . . . . . . . . . D*
4 . . . . . . . . . . . . . . . . . . . . . . C
5-10 . . . . . . . . . . . . . . . . . . . . . A
11 . . . . . . . . . . . . . . . . . . . . . . B
DE Derby
1, 3, 22, 55 . . . . . . . . . . . . .. . . . . C
4, 12, 14-15, 45 . . . . . . . . . . .. . . . . A
5-7, 11, 13, 56, 65, 72-75 . . . . . . . . . . B
21, 23-24 . . . . . . . . . . . . . . . . . . . D *
DG Dumfries
1-2 . . . . . . . . . . . . . . . . . . . . . . B
3-14, 16 . .. . . . . . . . . . . . . . . . . . A
DH Durham
1-3, 8 . .. . . . . . . . . . . . . . . . . . . D *
4 . . . . . . . . . . . . . . . . . . . . . . . E *
5 . . . . . . . . . . . . . . . . . . . . . . . F *
6-7, 9 . .. . . . . . . . . . . . . . . . . . . C
DL Darlington
1, 15 . . . . . . . . . . . . . . . . . . . . . D *
2-5, 14, 16-17. . . . . . . . . . . . . . . . . C
6-13 . . . . . . . . . . . . . . . . . . . . . B
DN Doncaster
1, 4-5, 11-12 . . . . . . . . . . . . . . . . . F *
2-3, 6 . . . . . . . . . . . . . . . . . . . . E *
7-9, 16-17, 19-20, 37-39 . . . . . . . . . . .. B
10, 14, 18, 21-22 . . . . . . . . . . . . . . . A
15, 31, 33-34, 36, 40-41 . . . . . . . . . . .. C
32, 35 . . . . . . . . . . . . . . . . . . . . D *
DT Dorchester
1-3, 5-11 . . . . . . . . . . . . . . . . . . . A
4 . . . . . . . . . . . . . . . . . . . . . . . B
DY Dudley
1-6, 9 . . . . . . . . . . . . . . . . . . . .. C
7, 14 . . . . . . . . . . . . . . . . . . . . . A
8, 10-13 . . . . . . . . . . . . . . . . . . . B
E London E
1-9 . . . . . . . . . . . . . . . . . . . . . . Refer
10-15, 17 . . . . . . . . . . . . . . . . . . . F *
16 . . . . . . . . . . . . . . . . . . . . . . E *
18 . . . . . . . . . . . . . . . . . . . . . . D *
EC London EC
1-4 . . . . . . . . . . . . . . . . . . . . . . Refer
EH Edinburgh
43-46 . . . . . . . . . . . . . . . . . . . . . A
26-27, 38-42, 55 . . . . . . . . . . . . . . . B
23, 28-37, 47, 49, 51-54 . . . . . . . . .. . . C
11-13, 15-22, 24-25, 48 . . . . . . . . . . . . D*
1-10, 14 . . . . . . . . . . . . . . . . .. . . E *
EN Enfield
1, 5-9 . . . . . . . . . . . . . . . . . . . . E *
2-4 . . . . . . . . . . . . . . . . . . . . . . F *
10-11 . . . . . . . . . . . . . . . . . . . . . C
EX Exeter
1-5, 8, 20, 34 . . . . . . . . . . . . . . . . B
6-7, 9-19, 21-24, 31-33, 35-39 . . . . . . . . A
FK Falkirk
1-5 . . . . . . . . . . . . . . . . . . . . . . C
6-10 . . . . . . . . . . . . . . . . . . .. . . B
11-21 . . . . . . . . . . . . . . . . . . . . . A
FY Blackpool
1, 4, 8 . . . . . . . . . . . . . . . . . . . . D *
2, 6 . . . . . . . . . . . . . . . . . . . . . B
3, 5, 7 . . . . . . . . . . . . . . . . . . . . C
G Glasgow
1-5, 11, 13-15, 20-23, 31-34, 40-42, 51, 53 . . Refer
12, 43-46, 66, 69, 71-78, 81 . . . . . . . . . E *
60-62, 64, 67-68, 82 . . . . . . . . . . . . . D *
52, 63, 83-84 . . . . . . . . . . . . . . . . . B
65 . . . . . . . . . . . . . . . . . . . . . . C
GL Gloucester
1, 4-5, 7-11, 13, 15, 18-19, 51, 53-56 . . . .. A
2, 3, 6, 12, 14, 16-17, 20, 50, 52 . . . . . .. B
GU Guildford
1-3, 5-10, 13-17, 19-24, 27, 30-31 . . . . . . B
33-34, 46-47, 51 . . . . . . . . . . . . . . . B
4, 11, 25, 29, 32, 35 . . . . . . . . . . . . . C
12, 18, 26, 28 . . . . . . . . . . . . . . . . A
GY Guernsey
1-9 . . . . . . . . . . . . . . . . . . . . . . A
HA Harrow
0-2, 4, 7-9 . . . . . . . . . . . . . . . . . . E *
3, 5-6 . . . . . . . . . . . . . . . . . . . . D *
HD Huddersfield
1, 6-9 . . . . .. . . . . . . . . . . . . . . . D *
2-5 . . . . . . . . . . . . . . . . . . . . . . E *
HG Harrogate
1-2, 5 . . . . . . . . . . . . . . . . . . . . C
3-4 . . . . . . . . . . . . . . . . . . . . . . B
HP Hemel Hempstead
1-3, 6, 20 . . . . . . . . . . . . . . . . . . D *
4-5, 7, 10-14, 19, 21 . . . . . . . . . . . . . C
9, 15-18, 22-23 . . . . . . . . . . . . . . . . B
27 . . . . . . . . . . . . . . . . . . . . . . A
HR Hereford
1, 3, 5-6, 8-9 . . . . . . . . . . . . .. . . . A
2, 4, 7 . . . . . . . . . . . . . . . . . . . . B
HS Outer Hebrides
1-9 . . . . . . . . . . . . . . . . . . . . . . A
HU Hull
1-6, 8-9, 13 . . . . . . . . . . . . . . . . . D *
7 . . . . . . . . . . . . . . . . . . . . . . . E *
10-11, 14, 16 . . . . . . . . . . . . . . . . . C
12, 15, 17-20 . . . . . . . . . . . . . . . . . B
HX Halifax
1, 3 . . . . . . . . . . . . . .. . . . . . . . F *
2, 4-5, 7 . . . . . . . . . . . . . . . . . . . E *
6 . . . . . . . . . . . . . . . . . . . . . . . C
IG Ilford
1, 11 . . . . . . . . . . . . . . . . . . . . . Refer
2, 6-8 . .. . . . . . . . . . . . . . . . . . . E *
3, 9-10 . . . . . . . . . . . . . . . . . . . . F *
4-5 . . . . . . . . . . . . . . . . . . . . . . D *
IM Isle of Man
1-9 . . . . . . . . . . . . . . . . . . . . . . A
IP Ipswich
1-3, 5-23, 26-33 . . . . . . . . . . . . . . . A
4, 24-25 . . . . . . . . . . . . . . . . . . .. B
IV Inverness
1-28, 30-32, 36, 40-49, 51-56, 63 . . . . . . . A
JE Jersey
1-4 . . . . . . . . . . . . . . . . . . . . . . A
KA Kilmarnock
1-26 . . . . . . . . . . . . . . . . . . . . . B
27-30 . . . . . . . . . . . . . . . . . . . . . A
KT Kingston-upon-Thames
1, 3, 6, 17, 19 . . . . . . . . . . . . . . . . E *
2, 4-5, 7-12 . . . . . .. . . . . . . . . . . . D *
13-16, 18, 20-22 . . . . . . . . . . . . . . . C
23-24 . . . . . . . . . . . . . . . . . . . . . A
KW Kirkwall
1-3, 5-17 . . . . . . . . . . . . . . . . . . . A
KY Kirkcaldy
1-16 . . . .. . . . . . . . . . . . . . . . . . B
L Liverpool
1-21 . . . .. . . . . . . . . . . . . . . . . . Refer
22 . . . . . . . . . . . . . . . .. . . . . . . F *
23, 29, 34, 38, 40 . . . . . . . .. . . . . . . D *
24-28, 30, 32-33, 35-36 . . . . . . . . . . . . E *
31, 37 . . . . . . . . . . . . . .. . . . . . . C
39 . . . . . . . . . . . . . . . .. . . . . . . B
LA Lancaster
1,3-4, 14, 19, 22-23 . . . . . . . . . . . . . B
2, 5-13, 15, 17-18, 20-21 . . . . . . . . . . . A
16 . . . . . . . . . . . . . . . . . . . . . . C
LD Llandrindod Wells
1-8 . . . . . . . . . . . . . . . . . . . . . . A
LE Leicester
1-2 . . . . . . . . . . . . . . . . . . . . . . Refer
3-4, 6, 10 . . . . . . . . . . . . . . . . . . C
5 . . . . . . . . . . . . . . . . . . . . . . . D *
7-9, 11-12, 17-18 . . . . . . . . . . . . . . . B
13-16, 65, 67 . . . . . . . . . . . . . . . . . A
LL Llandudno
11-13 . . . . . . . . . . . . . . . . . . . . . C
14, 29, 31, 33, 41 . . . . . . . . . . . . . . B
15-28, 30, 32, 34-40, 42-49, 51-78 . . . . . . A
LN Lincoln
1, 5-6, 9 . . . . . . . . . . . . . . . . . . . B
2-4, 7-8, 10-13 . . . . . . . . . . . . . . . . A
LS Leeds
1-13, 15-16, 19, 26-27 . . .. . . . . . . . . . F *
14, 18, 28 . . . . . . . . .. . . . . . . . . . E *
17, 21-23 . . . . . . . . . . . . . . . . . . . C
20, 25 . . . . . . . . . . . . . . . . . .. . . D *
24 . . . . . . . . . . . . . . . . . . . .. . . A
29 . . . . . . . . . . . . . . . . . . . .. . . B
LU Luton
1, 4 . . . . . . . . . . . . . . . . . . . . . Refer
2-3 . . . . . . . . . . . . . . . . . . . . . . D *
5 . . . . . . . . . . . . . . . . . . . . . . . E *
6-7 . . . . . . . . . . . . . . . . . . . . . . C
M Manchester
1-9, 11-24, 40, 60 . . . . . . . . . . . . .. . Refer
25-29, 32, 34-35, 38, 43, 45-46 . . . . . . . . F *
30-31, 33, 41, 44 . . . . . . . . . . . . . . . E *
ME Medway
1-2, 4-6, 8-13, 15-17 . . . . . . . . . . . . . C
3, 7, 14 . . . . . . . . . . .. . . . . . . . . D *
18-20 . . . . . . . . . . . . . . . . . . . . . B
MK Milton Keynes
1-5, 7, 9-15 . . . . . . . . . . . . . . . . . D *
6 . . . . . . . . . . . . . . . . . . . . . . . E *
8, 16-17, 19, 40-42 . . . . . . . . . . . . . . C
18 . . . . . . . . . . . . . . . . . . . . . . B
43-46 . . . . . . . . . . . . . . . . . . . . . A
ML Motherwell
1-2, 6, 9 . . . . . . . . . . . . . . . . . . . D *
3-4 . . . . . . . . . . . . . . . . . . . . . . E *
5, 7 . . . . . . . . . . . . . . . . . .. . . . C
8, 10-11 . . . . . . . . . . . . . . . .. . . . B
12 . . . . . . . . . . . . . . . . . . .. . . . A
N London N
1, 7, 9 . . . . . . . . . . . . . . . . . . . . Refer
2, 4-6, 8, 10-11, 13, 15-17, 19, 22 . . . . . . F *
3, 14, 21 . . . . . . . . . . . . . . . . . . . D *
12, 18, 20 . . . . . . . . . . . . . . . . . . E *
NE Newcastle-upon-Tyne
1, 4-6, 8 . . . . . . . . . . . . . . . . . . . Refer
2-3, 7, 12, 27-29, 32-33, 36-37, 39 . . . . . . F *
45 . . . . . . . . . . . . . . . . . . .. . . . A
9-11, 15-17, 21, 30-31, 34, 38, 40-42, 63 . . . E *
13, 22-25, 35, 61-62, 64 . . . . . . . . . . . D *
18, 20, 26, 47 . . . . . . . . . . . . . . . .. C
19, 43-44, 46, 48-49, 65-71 . . . . . . . . . . B
NG Nottingham
1-4, 6-8, 10-12, 16-18 . . . . .. . . . . . . . C
5, 15 . . . . . . . . . . . . . . . . . . . . . D *
9, 19-21, 25, 34 . . . . . . . .. . . . . . . . B
13-14, 22-24, 31-33 . . . . . . . . . . . . . . A
NN Northampton
1-5 . . . . . . . . . . . . . . . . . . . . . . D *
6, 9, 13-16 . . . . . . . . . . . . . . . . . . A
7-8, 10-12, 29 . . . . . . . . . . . . . . . . B
17-18 . . . . . . . . . . . . . . . . . . . . . C
NP Newport
4, 16, 18, 26 . . . . . . . . . . . . . . . . . C
7-8 . . . . . . . . . . . . . . . . . . . . . . A
10-11, 19-20, 44 . . . . . . . . . . . . . . . E *
12-13, 22-24 . . . . . . . . . . . . . . . . . D *
15, 25 . . . . . . . . . . . . . . . . . . . . B
NR Norwich
1-2 . . . . . . . . . . . . . . . . . . . . . . C
3-4, 6-8, 30-31 . . . . . . . . . . . . . . . . B
5 . . . . . . . . . . . . . . . . . . . . . . . D *
9-29, 32-35 . . . . . . . . . . . . . . . . . . A
NW London NW
1-2, 5-6, 8 . . . . . . . . . . . . . . . . . . Refer
3, 10 . . . . . . . . . . . . . . . . . . . . . F *
4, 9, 11 . . . . . . . . . . . . . . . . . . . E *
7 . . . . . . . . . . . . . . . . . . . . . . . D*
OL Oldham
1-5, 7-9, 15 . . . . . . . . . . . . . . .. . . F *
6, 16 . . . . . . . . . . . . . . . . . . . . . Refer
10-14 . . . . . . . . . . . . . . . . . . . . . E *
OX Oxford
1, 4 . . .. . . . . . . . . . . . . . . . . . . C
2-3, 6, 10, 16, 25-27, 33, 44 . . . . . . . . . B
5, 7-9, 11-15, 17-18, 20, 28-29, 39, 49 . . . . A
PA Paisley
1, 3-4 . . . . . . . . . . . . . . . . . . . . Refer
2, 5-8 . . . . . . . . . . . . . . . . . . . . E *
9-11 . . . . . . . . . . . . . . . . . . . . . D *
12-15, 19 . . . . . . . . . . . . . . . . . . . C
16-20 . . . . . . . . . . . . . . . . . . . . . B
21-49, 60-78 . . . . . . . . . . . .. . . . . . A
PE Peterborough
1-3, 5, 7, 20, 22 . . . . . . . . . . . . . . . C
4, 10, 13-14, 19, 25 . . . . . . . . .. . . . . B
6, 8-9, 11-12, 15-18, 21, 23-24, 26-38 . . . . A
PH Perth
1-2 . . . . . . . . . . . . . . . . . . . . . . B
3-26, 30-44, 49-50 . . . . . . . . . . . . . . A
PL Plymouth
1-3 . . . . . . . . . . . . . . . . . . . . . . C
4-5 . . . . . . . . . . . . . . . . . . . . . . D *
6-7, 9, 20-21 . . . . . . . . . . . . . . . . . B
8, 10-19, 22-35 . . . . . . . . . . . . . . . . A
PO Portsmouth
1, 3-6, 19 . .. . . . . . . . . . . . . . . . . C
2, 7-8, 12, 15, 17, 20-21, 30 . . . . . . . . . B
9-11, 13-14, 16, 18, 22, 31-41 . . . . . . . . A
PR Preston
1-2, 4 . . . . . . . . . . . . . . . . . . . . C
3 . . . . . . . . . . . . . . . . . . . . . . . A
5-9 . . . . . . . . . . . . . . . . . . . . . . D *
RG Reading
1-2, 4, 21, 30-31, 42 . . . . . . . . . . . . . C
5-10, 12, 14, 17-20, 22, 28-29, 40-41, 45 . . . B
23-27 . . . . . . . . . . . . . . . . . . . . . A
RH Redhill
1-2, 6-9, 14, 16-18 . . . . . . . . . . . . . . B
3 . . . . . . . . . . . . . . . . . . . . . . . E *
4-5, 10, 12-13, 15, 19-20 . . . . . . . . . . . A
11 . . . . . . . . . . . . . . . . . . . . . . C
RM Romford
1, 6, 9-10, 12 . . . . . . . . . . . . . . . .. F *
2-5, 11, 17-18 . . . . . . . . . . . . . . . . E *
7-8, 13-16, 19-20 . . . . . . . . . . . . . . . D *
S Sheffield
1-3, 5, 7-8 . . . . . . . . . . . . . . . . . . Refer
4, 9, 11, 13-14, 60-61 . . . . . . . . . . . . F *
6, 10, 12, 20, 35-36 . . . . . . . . . . . . . E *
17, 21, 25-26, 63, 70-71 . . . . . . . . . . .. D *
18, 32-33, 41, 43, 62, 64-66, 72-75, 80-81 . . .C
40, 42, 45 . . . . . . . . . . . . . . . . . . .B
44 . . . . . . . . . . . . . . . . . . . . . . .A
SA Swansea
1-2, 4, 7 . . . . . . . . . . . . . . . . . . . E *
3, 5-6, 8-13, 15 . . . . . . . . . . . . .. . . D *
14, 16, 34, 40-41, 43-47, 68-69, 72 . . . . . . B
17-20, 31-33, 35-39, 42, 48, 61-67, 70-71, 73 . A
SE London SE
1-2, 4-8, 10-11, 13-19, 21-28 . . . . . . . . . F *
3, 9, 12, 20 . . . . . . . . . . . . . . . . .. E *
SG Stevenage
1, 3, 5, 10-12, 15-17, 19 . . . . . . . . . . . B
2, 4, 13-14 . . . . . . . . . . . . . . . . . . C
6-9, 18 . . . . . . . . . . . . . . . . . . . . A
SK Stockport
1, 4, 14-16 . . . . . . . . . . . . . . . . . . F *
2-3, 5-6, 8 . . . . . . . . . . . . . . . . . . E *
7, 13 . . . . . . . . . . . . . . . . . . . . . D *
9-12, 17, 22-23 . . . . . . . . . . . . . . . . B
SL Slough
0-3 . . . . . . . . . . . . . . . . . . . . . . D *
4-6, 8-9 . . . . . . . . . . . . . . . . . . . C
7 . . . . . . . . . . . . . . . . . . . . . . . B
SM Sutton
1, 5 . . .. . . . . . . . . . . . . . . . . . . E *
2-3 . . . . . . . . . . . . . . . . . . . . . . D *
4, 6 . . .. . . . . . . . . . . . . . . . . . . F *
7 . . . . . . . . . . . . . . . . . . . . . . . C
SN Swindon
1-2, 6-10, 13, 25-26 . . . . . . . . . . . . . B
3-5, 11, 14-16 . . . . . . . . . . . . . .. . . A
12 . . . . . . . . . . . . . . . . . . . . . . C
SO Southampton
14-19 . . . . . . . . . . . . . . . . . . . . . C
20, 24, 41-43, 50-53 . . . . . . . . . . . . . A
21-23, 30-32, 40, 45 . . . . . . . . . . . . . B
SP Salisbury
1-8, 10-11 . . . . . . . . . . . . . . . . . . A
9 . . . . . . . . . . . . . . . . . . . . . . . B
SR Sunderland
1-5, 8 . . . . . . . . . . . . . . . . . . . . E *
6-7 . . . . . . . . . . . . . . . . . . . . . . D *
SS Southend-on-Sea
0-1, 6, 8, 13, 16 . . . . . . . . . . . . . . . C
2-4, 7, 9, 11 . . . . . . . . . . . . . . . . . B
5, 12 . . . . . . . . . . . . . . . . . . . . . A
14-15, 17 . . . . . . . . . . . . . . . . . . . D *
ST Stoke-on-Trent
1, 4 . . . . . . . . . . . . . . . . . . . . .. D *
2-3, 5-8 . . . . . . . . . . . . . . . . . . .. C
9, 12-14, 16, 18-21 . . . . . . . . . . . . . . A
10-11, 15, 17 . . . . . . . . . . . . . . . . . B
SW London SW
1, 3-7, 10, 12-20 . . . . . . . . . . . . . . . F *
2, 8-9, 11 . . . . . . . . . . . . . . . . . . Refer
SY Shrewsbury
1-2, 4-12, 15-25 . . . . . . . . . . . . . . . A
3, 13-14 . . . . . . . . . . . . . . . . . . . B
TA Taunton
1-4, 6-23 . . . . . . . . . . . . . . . . . . . A
5, 24 . . . . . . . . . . . . . . . . . . . . . B
TD Galashiels
1-5, 7-10, 12-14 . . . . . . . . . . . . .. . . A
6, 11, 15 . . . . . . . . . . . . . . . . . . . B
TF Telford
1, 3, 7-8 . . . . . . . . . . . . . . . . . . . C
2, 5-6, 10 . . . . . . . . . . . . . . . . . . B
4 . . . . . . . . . . . . . . . . . . . . . . . D *
9, 11-13 . . . . . . . . . . . . . . . . .. . . A
TN Tonbridge
1, 4-6, 9, 11, 14, 16, 18, 22-23, 29-31,
34-36, 39-40 . . . . . . . . . . . . . . . . . .B
2-3, 7-8, 10, 12, 19-20, 24-28, 32-33, 38 . . . A
13 . . . . . . . . . . . . . . . . . . . . . . .D *
15, 17, 21, 37 . . . . . . . . . . . . . . . . .C
TQ Torquay
1-2 . . . . . . . . . . . . . . . . . . . . . . B
3-14 . . . . . . . . . . . . . . . . . . . . . A
TR Truro
1-10, 12-17, 19-27 . . . . . . . . . . . . . . A
11, 18 . . . . . . . . . . . . . . . . . . . . B
TS Cleveland
1-2 . . . . . . . . . . . . . . . . . . . . . . Refer
3-4, 6, 10, 20 . . . . . . . . .. . . . . . . . F *
5, 7-8, 16-19, 24, 26-29 . . . . .. . . . . . . E *
9, 14, 22 . . . . . . . . . . . . . . . . . . . C
11-13, 15, 21, 23, 25 . . . . . . . . . . . . . D *
TW Twickenham
1, 9, 11 . . . . . . . . . . . . . . . .. . . . F *
2-3, 6-8, 10, 13-14 . . . . . . . . . . . . . . E *
4-5, 12, 15-18 . . . . . . . . . . . . .. . . . D *
19-20 . . . . . . . . . . . . . . . . . . . . . C
UB Southall
1-3, 9 . . . . . . . . . . . . . . . . . . . . D *
4, 6, 10 . . . . . . . . . . . . . . . . . . . E *
5, 7-8 . . . . . . . . . . . . . . . . . . . . F *
W London W
1-2, 5-6, 8-9, 12, 14 . . . . . . . . . . . . . F *
3-4, 7, 13 . . . . . . . . . . . . . . . . .. . E *
10-11 . . . . . . . . . . . . . . . . . . . . . Refer
WA Warrington
1, 4-8 . . . . . . . . . . . . . . . . . . . . C
2 . . . . . . . . . . . . . . . . . . . . . . . B
3, 9-12, 15 . . . . . . . . . . . . . . . . . . D *
13 . . . . . . . . . . . . . . . . . . . . . . F *
14 . . . . . . . . . . . . . . . . . . . . . .. E *
16 . . . . . . . . . . . . . . . . . . . . . .. A
WC London WC
1-2, 99 . . . . . . . . . . . . . . . . . . . . F *
WD Watford
1-3, 17-19, 23-25 . . . . . . . . . . . . . . . C
4-5 . . . . . . . . . . . . . . . . . . . . . . B
6-7 . . . . . . . . . . . . . . . . . . . . . . D *
WF Wakefield
1-2, 4, 7-10, 12, 16-17 . . . . . . . . . . . . E *
3, 11 . . . . . . . . . . . . . . . . . . . . . F *
5-6, 13-15 . . . . . . . . . . . . . . . . . . D *
WN Wigan
1-4, 7 . . . . . . . . . . . . . . . . . . . . F *
5-6 . . . . . . . . . . . . . . . . . . . . . . E *
8 . . . . . . . . . . . . . . . . . . . . . . . D *
WR Worcester
1, 3, 12, 15 . . . . . . . . . . . . . . . . . B
2, 4-11, 13-14 . . . . . . . . . . . . . . . . A
WS Walsall
1-6, 10 . . . . . . . . . . . . . . . . . . . . D *
7, 12-13, 15 . . . . . . . . . . . . . . . .. . B
8-9, 11 . . . . . . . . . . . . . . . . . . . . C
14 . . . . . . . . . . . . . . . . . . . . .. . A
WV Wolverhampton
1-2, 12-14 . . . . . . . . . . . . . . . .. . . D *
3-4, 6-8, 11 . . . . . . . . . . . . . . .. . . C
5, 9-10, 15-16 . . . . . . . . . . . . . .. . . B
YO York
1, 7-8, 10-11, 16-17, 19, 23-24, 26 . . . . . . B
30-32, 41-43, 51 . . . . . . . . . . . . . . . B
12-15, 21-22, 25, 60-62 . . . . . . . . . . . . A
18 . . . . . . . . . . . . . . . . . . . . . . C
ZE Lerwick
1-3 . . . . . . . . . . . . . . . . . . . . . . A

 

[KDF]

2. List of Insurance Groups + Contact details.

Admiral 0800 600 800 http://www.admiral.com/http://www.admiral.com/
Adrian Flux 01553 777 240 http://www.adrianflux.co.uk/www.adrianflux.co.uk/
AON 01384 552 670 http://www.aon.comwww.aon.com
A-Plan 0845 071 123 http://www.aplan.co.uk/www.aplan.co.uk/
AXA 0800 015 4292 http://www.axa-motor.co.ukhttp://www.axa-motor.co.uk
Bell Direct 0800 140 180 http://www.belldirect.co.uk/www.belldirect.co.uk/
Bennetts 0990 202090 http://www.bennetts.co.uk/www.bennetts.co.uk/
Bugdet 0800 028 9044 http://www.budgetinsurance.com/www.budgetinsurance.com/
Catterall 01254 695 055 http://www.chris-thompson.co.uk/www.chris-thompson.co.uk/
Churchill 0800 200 331 http://www.churchill.comhttp://www.churchill.com
Cis 08457 464646 http://www.cis.co.uk/www.cis.co.uk/
CoverSure (RallySure) 01829 733 880 http://www.dmatters.co.uk/www.dmatters.co.uk/
Crowthorne Insurance 01344 771626 http://www.crowthorne.co.ukwww.crowthorne.co.uk
Direct Line 0845 246 8701 http://uk.directline.com/http://uk.directline.com/
Elephant 0870 6080668 http://www.elephant.co.ukhttp://www.elephant.co.uk
Endsleigh 0800 028 3571 http://www.endsleigh.co.ukhttp://www.endsleigh.co.uk
Footman 0121 651 6250 http://www.footmanjames.co.ukwww.footmanjames.co.uk
Graham Sykes 0870 444 6319 http://www.graham-sykes.co.uk/www.graham-sykes.co.uk/
Greenlight 01277 263 030 http://www.greenlight-insurance.co.uk/www.greenlight-insurance.co.uk/HIC - 08451 290 290
Hill House Hamond 01733 310899 http://www.hhh.co.uk/www.hhh.co.uk/
Keith Michaels 0181 642 7868 http://www.keithmichaels.co.ukwww.keithmichaels.co.uk
Liverpool Victoria 0800 514 514 http://www.liverpoolvictoria.co.ukhttp://www.liverpoolvictoria.co.uk
More Than 0800 072 4186 http://www.morethan.comhttp://www.morethan.com
Motor Quote Direct 0800 48 44 33 http://www.motorquotedirect.co.uk/http://www.motorquotedirect.co.uk/
Nash Warren 0121 561 4484 http://www.nashwarren.co.uk/www.nashwarren.co.uk/
Norwich Union 0870 242 0800 http://www.norwichunion.com/www.norwichunion.com/
Peart 0870 240 2972 http://www.peart.co.uk/www.peart.co.uk/
Peoples Choice 0800 614 824 http://www.peopleschoice.co.uk/www.peopleschoice.co.uk/
Performance Direct 08704 203896 http://www.performancedirect.co.uk/www.performancedirect.co.uk/
Privilege Insurance 0113 292 5555 http://www.privilege.com/www.privilege.com/
Quinn Direct 0845 850 0845 http://www.quinn-direct.com/www.quinn-direct.com/
QuoteLine Direct 0870 444 0870 http://www.quoteline-direct.co.uk/www.quoteline-direct.co.uk/
RAC 0845 3000 755 http://www.rac.co.ukhttp://www.rac.co.uk
Sainsburys 0800 032 0000 http://www.sainsburysbank.co.uk/insurance/www.sainsburysbank.co.uk/insurance/
Tesco 0845 300 9900 http://www.tesco.comhttp://www.tesco.com
The AA 0870 606 0483 http://www.theaa.comhttp://www.theaa.com
Hastings Direct 0800 00 1066 http://www.hastingsdirect.comhttp://www.hastingsdirect.com
Esure 0845 603 7873 http://www.esure.comhttp://www.esure.com
Halifax 0845 608 9913 http://carinsurance.halifax-online.co.ukhttp://carinsurance.halifax-online.co.uk
Eagle Star 08459 45 45 67 http://www.eaglestar.co.ukhttp://www.eaglestar.co.uk
Lloyds TSB 0800 056 3040 http://www.insurance.co.ukhttp://www.insurance.co.uk
Screen Trade 0800 435 207 http://www.screentrade.co.ukhttp://www.screentrade.co.uk
Its4me 0870 0131 464 http://www.its4me.co.uk/http://www.its4me.co.uk/
The Insurance Centre 0709 2511050 http://www.theinsurancecentre.co.ukhttp://www.theinsurancecentre.co.uk
Quote-A-Car 08707 709075 http://www.quotea.co.uk/quotea/default.asphttp://www.quotea.co.uk/quotea/default.asp

 

[KDF]

3. Insuring Cars in Parents Name

There are many posts regarding insuring cars in Parent’s names to get cheaper insurance and they often lead to heated discussions and opinions from misinformed people. Here are some facts as to why it is fraudulent and you should not do it, which I hope will put a stop to misinformed opinions and potentially dangerous advice from people who do not understand the industry, the processes and the legalities.

The first question is probably “Why should I listen to Shiny?”. If you are a regular user of the forum you would have probably realised that I do actually know my onions where insurance is concerned. I have worked in a high street Insurance Brokers for the last 17 yrs, managed the Personal Lines department (household, motor etc) and now handle Commercial insurance, specialising in Motor Trade. My advice is not tied to one Insurer and is indicative of the market, although there are obvious differences between some insurers in their methods, the basic insurance principles are the same regardless of who you are insured with.

Now, onto how it works. Firstly “Insurable Interest”, one of the basic principles of insurance. The purpose of insurance is put a policyholder in the same financial position after a claim or loss as they were before the claim or loss (with the exception of any excess etc). Therefore if my car gets stolen, and its market value was £5k, my insurers will pay me £5k to put me in the same financial position I was before the car was stolen. Now, if I was not the legal owner of the car and it belonged to, for example, my son, but I insured it in my name, I will not actually suffer any financial loss if it was stolen. Therefore I have no insurable interest. My son will actually suffer the loss, therefore he must insure it in his name. The registered keeper is not necessarily the legal owner of a car, so just changing the log book does not make this alright.

Insurance premiums are calculated on the risk exposure. Fact, young drivers are a high risk and attract high premiums. The amount of use available to a young driver as an additional driver under a policy in their parents’ name is an essential factor in the rating of a policy. It is not wrong for young drivers to be named under their parents policies as long as all the information provided to an Insurer is correct. When I was learning to drive I was added to my mother’s policy. She had been driving her own car for a number of years and used it every day to commute to work. Even when I passed my test, I was only able to drive the car in the evenings or at the weekend when she wasn’t using it. I was added to the policy and noted as a “frequent” driver (not the main driver) as this was genuinely the case and could easily be proved to be the case. When I bought my own car, I insured it in my own name.

Here are two scenarios –

1. A 17 yr old buys a car and insures it in his own name.
2. Dad buys a car for his 17 yr old son to use, Dad is the legal owner and registered keeper and therefore insures the car in Dad’s name. The car has been bought for the son and he will be the main user.

The risk exposure is exactly the same, as the 17yr old is the main driver regardless of who the policyholder is. Therefore the premium should in fact be the same. In some cases, scenario 2 will work out more expensive as discounts for insured only to drive will not apply.

Now the only way that scenario 2 will work out cheaper is if fraudulent information is provided to the insurers to make the risk look more attractive, by lying as to who is the main user of a car and saying Dad is the main user and son is only an occasional user. This is no different to lying about your age, lying about your car (saying it’s a 1.4 GL instead of 2.0 GT Turbo), lying about where you live (saying you live in a field in Devon rather than the middle of Greater Manchester). If you are providing false information to reduce your premium it is deliberately trying to misrepresent the true risk and deceiving your Insurers, which is fraud.

Now, to make matters worse, it is often the case that when policies are taken out in parent’s name, that in addition to lying about the main user, the ownership is also presented wrongly to the insurers, saying that it is the parent’s car when it has been bought by the young driver. As I have said earlier, Insurable Interest is a basic principle of insurance so, first off, there will be a major problem here. Secondly, again a risk has deliberately misrepresented to an insurer to make it look more attractive and to deceive the insurers to obtain a cheaper premium, which is fraud.

So, what happens if you have taken out a policy in your parent’s name and are found out. There is a very small possibility that an underwriter may suspect foul play when finalising the issue of policy documents or if there is an audit check, but in all fairness, you are really only like to be rumbled after an accident has occurred, which is the time when you will need your policy most of all. If a loss adjuster is involved, he will make a report to the Insurers, the underwriters will study the proposal form and if there is evidence of “non disclosure” or fraudulent information, from the information presented at the time of the proposal (which is the contract upon which the insurance is based), it is most likely they will not indemnify the claim and cancel your policy from inception, making all cover “null and void”. You will then be responsible for all costs as a result of the accident. As your insurance is invalid, there is a possibility of a motoring conviction for driving without insurance, 6 points minimum, a hefty fine, possibly even a ban. If the insurers see fit, they may also wish to prosecute you for fraud which could result in a criminal conviction. The policyholder (your parent) could also be facing the same prosecutions.

There is a question on an insurance proposal form that asks if you have ever been refused or declined insurance or had a policy cancelled by the insurers. If you end up having a policy cancelled due to non disclosure or fraud, you have to disclose this on your future policies. It is an absolute nightmare getting insurance if you have had a policy null and void under these circumstances. Only non-standard insurers will touch you and will want a very very hefty premium.

Loss adjusters are not usually involved in small claims, but at the end of the day, if the damage is £500 and your claim gets kicked out, £500 won’t cripple most people. But it’s when the claim runs into thousands of pounds that you really want your Insurance to be totally in order. I personally have dealt with a claim involving a cyclist where the reserve was £500,000. If you t-boned a car and crippled a load of Harley Street Surgeons on the way to meeting, the claim could run into £millions. Look at the Selby disaster, a few seconds of lost concentration has cost many many millions. Quite often the way the courts work is that the MIB (Motor Insurance Bureau) become involved and insist the Insurers pay the injured party. The Insurer’s then have a right to recover their outlay from you, as your policy has been invalidated due to fraud. Saving a couple of hundred pounds could cost you thousands and thousands of pounds.

So, now you know the potential consequences, you might think to yourself “how will they ever know?”. Well if a loss adjuster is involved. He will look for obvious signs, like the number of cars in the family, who is entitled to drive each car and so on, to establish a general picture. Then he will ask to see receipts, petrol receipts, servicing receipts etc and see what name they are in. If the car was still driveable, he may have been hiding and watching the pattern and use by each driver for the previous week or two before you even know he is involved (and then show you pictures to contradict any more lies you may present him with when interviewed). He will want to know how each person gets to work. Now there are other obvious things like dad owning a Saab Estate and also a Nova with a BB4 and Max Power Sunstrip and two 12” bass boxes in the boot (assuming modifications have been disclosed which is another topic entirely!) which the 17yr old son hardly drives? He may interview neighbours to establish the use by each driver, interview people at the workplaces and neighbouring work places of each driver, again to establish who drives what to where on a daily basis. I’m sure there are many other methods they use, but I hope this is drawing a picture for you. They do this every day, its their job, they know every trick, every lie, every "loophole".

I do believe there is a problem in the industry where Insurer’s employ telephonists to provide motor quotes for cost efficiency, these people are generally data input clerks and do not have the knowledge for alarm bells to ring where young drivers and parents insuring cars are concerned. The same applies to internet quotes. But they are relying on people to provide truthful information and answers, which is confirmed by the signing of the proposal form or by agreeing to the statement of fact.

Now all the legalities aside, you will not earn any no claims bonus insuring a car in your parents name. By the time you reach 21, you may have left home, and you might want a tasty car as the market has opened up being over 21. If you took out a policy in your own name at 17, although it obviously costs a fair whack at the time, provided you have been claim free, you will have 4 years NCB by the time you 21, which is 60% off the premium. So a base premium on nil NCB of £2,000 will reduce to £800. As well as the saving, you have held a legitimate policy that will pay out in the event of any claim, even a serious claim with costly damage and personal injury.

This is a very serious issue, if you cant do it properly, you might as well not do it at all. Insurance costs are part of car ownership. If you cant afford to insure your car properly, quite simply you cant afford to have a car.

RF Shiny69UK

 

[Dash]

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