--- title: Do Postcodes Impact Your Insurance Premium date: 2007-09-13T00:00:00+01:00 author: Marc Prior canonical_url: "https://www.assetsure.com/homes/home-insurance/postcode-impact-insurance/" section: News --- Our Customers Love Us! Home Insurance [Trustpilot](https://uk.trustpilot.com/review/assetsure.com) ### Get a Quote [Get Quote](https://intasure.com/home-insurance/?introducer=59999022) [Home](/) › [Property Insurance](https://www.assetsure.com/homes/) › [Home Insurance](https://www.assetsure.com/homes/home-insurance/) › [Do Postcodes Impact Your Insurance Premium](https://www.assetsure.com/homes/home-insurance/postcode-impact-insurance/) # Do Postcodes Impact Your Insurance Premium One of the name of factors in determining the price of UK property insurance for customers in the UK is the postcode in which the property is located. It is so easy for underwriters and insurance companies to analyse risk factors are postcode due to the overwhelming use of computer technology and market databases. Data can be sorted into various risks such as burglary, storm damage, floods and subsistence. It is quite normal now for some insurers to exclude prospective customers from even applying for insurance products based on their post code because statistical analysis are shown but these postcodes will provide a bad risk and hence lose the company money. *Flooding Postcodes* - the recent floods in the United Kingdom have clearly shown postcodes where flood plains exist and the enormous damage that has reinforced underwriters attitude towards risk in specific high risk areas. If you live on the edge of the postcode area you may be paying for more than a neighbour that lives in a different postcode just across the road. This may seem somewhat unfair to the lay person, however insurers have to use some form of numerical analysis and dividing lines to mitigate risk. In the UK, there are over two million properties that are situated on the flood plain. Parts of the summer of 2007 caused over two billion pounds worth of damage largely in those areas. It is probable that in the future these areas will face higher insurance premiums. Even though specific property postcodes may not be targeted with price rises, the national scale of the flooding is likely to push up prices generally for everybody in future. *Burglary Postcodes* - a recent study by Endsleigh showed that if you live in Nottingham you're more likely to be burgled than other areas in rest of the UK. The least likely area to be burgled is in Guildford in Surrey. This example came form a study that analysed insurance claims from customers during the last four years. ## Latest News & Advice [![Dealing with Woodworm and Dry Rot](/assets/uploads/images/_800x405_crop_center-center_none/assetsure-banner-plain.jpg)](https://www.assetsure.com/homes/home-insurance/woodworm-dry-rot/) ### [Dealing with Woodworm and Dry Rot](https://www.assetsure.com/homes/home-insurance/woodworm-dry-rot/) Woodworm, Dry Rot and Wet Rot. One of the most costly maintenance problems for homeowners is woodworm, dry rot and wet rot. If left untreated it can huge amounts of damage to the interior of your home. There are treatments and remedies to prevent it’s spread and to eliminate the problem it becomes critical. Woodworm is most commonly caused by the furniture beetle which leave larvae boreholes inside the major woodwork elements of a property. These area include the roof timbers, joists, staircase and floorboards. 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Claims for subsidence can be on the large side ( hence the reason for the standard policy excess being £1000) and even if the building is repaired by the insurance company, you may find that’s in the future, insurance is harder to source ( and possibly more expensive) and the market value of the property and it’s marketability may also diminish... [More News](https://assetsure.com/news) ## Why choose our specialist insurance cover? ### Home Insurance from Assetsure Our Home Insurance can provide cover for your Buildings, Contents and Personal Effects. 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