greggparker9 - MemberLooks like L1-22 are very high risk, so if that's where you are then there's your answer!
This is a load of bollocks, I never had any problems with my car anywhere in Liverpool. Nor people I know. Classic age old stereotype of Liverpool!!
The L postcodes are "high risk" in the insurance industry models. All to do with number of claims, cost of claims (i.e. small bumps vs write-offs inc. 'whiplash') and the number of uninsured drivers. Some statistics recently suggested 20% of Merseyside drivers are uninsured, which will hike up the premiums.
Having said that we live in L13 and always have to shop around for car insurance. Each company will change its mind on whether they want to ensure us one year to the next (50-100% increases in price on renewal), so whilst most companies will offer £1000+ for a 10 year old, group 11 car, partner has 10 years NCB, we usually find something around £350-400. Although we have no points on our licenses.
As has already been mentioned, try looking at insuring both cars with the same company, although one of you may have to sacrifice your NCB. Or change your car! (We just insured a 1971 Lotus in the garage for £200, even though its worth more than the day car, their risk model suggests you won't crash a classic!).
I am interested that Direct Line won't insure you. I have that problem because I am a mature student. Cna you ring and find out what it is in your profile that they consider so high risk they won't insure you?
