The car insurance postcode lottery
Take two drivers with identical cars, spotless driving history who park their cars on their respective drives, but in different areas, and you'll find there's a discrepancy in how much their car insurance costs.
For example, someone who lives in London will pay three times the amount of someone in the Isle of Man. It doesn't matter if you're a responsible driver - if your car has a greater chance of being nicked, then you have to pay for it.
Central London motorists pay an average of £922 a year on insurance, whereas those in the Isle of Man pay just £231, according to figures from the AA.
London boroughs and those just outside it attract top premiums, while in the North, Manchester residents will pay £821, and folk in Bolton and Liverpool will cough-up £737 and £720 respectively. Meanwhile, up in Scotland, someone in Aberdeen will pay £286 on average, while someone who drives in the Orkney Islands will pay just £252. The cheapest rates in England can be found in Truro, Cornwall (£280) and Dorchester, Dorset (£286).
It seems that, where car insurance is already cheap, the premiums are most likely to fall as well. Not in London. Drivers in the capital are just going to be asked for more and more as time goes on.
Janet Connor from AA Insurance said that insurers are looking to put their prices up across the board: "I believe that this time next year, the AA’s Index will be reflecting a rising trend (in cost). But I don’t expect to see the sharp premium inflation we saw between 2009 and 2011, when over a 12-month period premiums rose by more than 40 per cent."
"The premium reflects the likelihood of a claim being made and, in some urban areas, there is much greater risk of a collision taking place, or of car crimes such as theft. Sadly, the criminality of some people has a detrimental effect of the premiums paid by honest motorists in such places."