Address and building type
Arguably the main rating factor is where you live – your neighbourhood and your individual address. We look at every postcode and use public data to assess many different things including: how safe the area is and if you’re close to water so at risk of flooding. We also look at the claims in your area – more claims could lead to a higher premium.
We also look at your building type - whether you live in a flat, terrace, semi-detached or detached house.