Tax is a curse we all have to live with, no market forces, its imposed on us as an earner for the Government who ever they may be, we have been shafted since the 90's with tax and continue to do so, we are lucky most of us having older cars but its the unfortunates with the newer high band cars that purchased the car before the change was imposed I feel for, we older car owners have got off lightly in comparison.
Insurance, I moved in with my Mrs in this Close about 6 years ago about 37 years old,before I lived near the docks in Bootle, not the nicest reputation but its where I was brought up most of my life and I knew it well, my insurance jumped massively when I moved to Kirkby in Knowsley and Im only 500 yards from my old Borough Sefton and 300 yards from Lancashire, if I had either of those postcodes my premium would plummet.
Im 43 71% no claims, one write off due to vandalism 2 1/2 years ago nothing for 24 years and clean licence with more things I can drive than you can waggle a stick at ( thank you RCT ) Insurance this year ? still £390 and thats with a voluntary increase in my excess to lower the premium......... a bit peeved, yes I am, tax gotta live with it.... insurance is a complete and utter rip off, there is no free market its my belief they are scamming the drivers.
Statistics always pick bad areas, but as we know bad areas as do good change but with insurance they never change... they are a cash cow

fuckers.
Now thats a rant
