Long story short, I'm looking at moving my car from parents house in suburbia to my driveway at my new flat - city centre, gated and locked.
I've never really needed a car before now, but long story short I now need to make more use of the ancient hatchback so I can do more work and earn more money; the opportunities aren't practical on a bike or public transport.
The only detail changing is the address it's kept at, and the premium will go from £350 to £1050!!! The car itself is only worth about £750.
Apparently it's because of higher crime / claim rates in my new postcode. I'm quite certain there is higher crime here - but it's not me committing the crime (I've never had so much as a parking ticket FFS let alone a court appearance). It's not my fault the police seem unable to keep a lid on crime in my postcode either. Yet I'm being billed for it.
I understand that the insurance companies have to make money and cover the cost of claims, but at a moral / philosophical level it seems deeply unfair that I'm being told to pay an extra £750 per year to cover the cost of other people's criminal activities. I don't live in this area for the sake of it - I can't afford a nicer area. As the saying goes, it costs more to be poor.
The upshot of this is that I can't afford to front the extra costs of car insurance, so I won't be able to take on more work (the exact quantity of which is unknown), so I won't be able to earn more. I'm fed up 