Question to our insurance sponsers

[Scotty1.7]

I'm doing some digging into the Insurance system in the UK and I'd like our sponsor's to post up some information.

Based on the post code, can they post the last 4 years crime rates that effect post code rating

I'd also like to particular look at those claimed to be 'High Risk'

Any help would be most useful

 

[Ian G]

I've got some old data here, not what you need but it may still help -

AB10 392832 805016 A 219
AB11 394472 805406 A 131
AB12 393271 801295 A 318
AB13 385671 801863 A 0
AB14 383647 801092 A 0
AB15 390030 805204 A 5
AB16 390626 807709 A 208
AB21 387775 813338 A 59
AB22 392750 810638 A 355
AB23 392197 808212 A 0
AB24 393567 808109 A 149
AB25 391505 803372 A 102
AB30 368410 767715 A 0
AB31 366358 794282 A 0
AB32 379652 804750 A 0
AB33 355272 815139 A 0
AB34 350753 800665 A 0
AB35 330382 794759 A 0
AB36 335516 812305 A 0
AB37 318701 827219 A 0
AB38 326568 844673 A 0
AB39 386021 785755 A 123
AB41 393233 830595 A 462
AB42 405527 843439 A 1018

Its three data sets combined, the postcode table with the northing and easting, letter A in that list is the risk A-F, all those codes are good. Final number is the risk index, 1 being best in the country and 1700ish being the worst. There are zeroes because there are 2800 outward postcodes but only insurance data for 1700 of them.

Just thought - the crime stats are free now aren't they? Nothing on data.gov.uk? Those crime map apps are all getting it from there I think. I'll have a poke about at some point if don't get fixed up.

 

[Scotty1.7]

Cheers ian

The stats on there are forming one part of this, however I'd like to get the stats as used by insurance companies.

I'm doing a couple of data release forms to them all any way asking for this and from the abi

 

[Ian G]

Be nice to get some proper data, that stuff is fairly old.

 

[warrenpenalver]

i doubt youll get any meaningful answers out of them.

if they gave you accurate data then you could in theory work out youre being ripped off! they arent going to want that so it will be "commercially sensitive" or some other excuse not to get you what youre asking for.

 

[Scotty1.7]

No doubt your right Warren, However I have sent some companies the data request.

Its only fair that as a consumers we are allowed a independent view of what insurance factors effect us.

For me I will always stand by the fact that Insurance should return to the Tariff scheme as it was before 1960

The ABI would give the companies / brokers a guideline high and low figures based on a age group and car group and the companies would then decide were to pitch there price for the year. So if they wanted to Insure more safe drivers, they would offer low prices for middle age drivers.

This was a very fair and open way for both the company and the consumer.

We as consumers want this, but they refuse to do this as the profit margins are lower - pure and simple

 

[warrenpenalver]

to achieve that would require the complete banning of the claim culture for a start and i think we are too far down the road to do that because everyone now has too many pointless "rights"

plus why would the government do it? fair premiums would equal less insurance premium tax, less tax on the over inflated costs for repairs etc etc etc.

And theyve still got the perfect get out clause for anything motoring related - the environment.