I feel insurance companies have a license to print money and charge whatever they see fit. I think is pretty savage. No wonder why so many don't pay it/cut corners/hate insurance companies.
I'm never moving to Liverpool 
A little bit of balance for you, the last time we (Sky Insurance) insured in the 'L' Liverpool postcode area, our underwriters paid out over £2 for every £1 they took in premiums. It is an incredibly high risk area for car insurance in general, let alone the type of cars we insure (Import, Modified, Performance). The premiums charged in the area reflect the risk posed to insurers.
Ollie
Sky Insurance
http://www.skyinsurance.co.uk/car-club-insurance.html
