Maybe its because we eat coal, and drink real beer?
LOL
The chart above is purely only a rough guide split down into postcodes.. as I mention, all insurers have their own risk charts.
Unfortunately DN22 is a high risk postcode according to our underwriters' records.. hence the strict criteria laid out in the other thread. Our criteria is bang up to date and draws information from claims stats released on a monthly (or quarterly I'm not 100%) basis.
This is a fascinating discussion.. it is similar to insurance grouping for cars, ie group 1-20. Most people think that all insurers use the same grouping so they think the groups are set in stone. The grouping given to a car is purely there as a guide.. each insurance underwriter will work from their own claims statisticsm and will use those to dictate the price.
At Sky Insurance, we look at the driver and the area more so than the vehicle... if a customer is a decent age, in a decent postcode, with good driving experience then they can insure most cars..
Ollie