Glos Guy, unfortunately that doesn’t apply when the postcode as opposed to the person is the risk. Insurance for me on my CLK350 was just over £2000. And I’ve been driving 10 years without a crash. If I changed the address to my mums, it’d be £400 a year. So I’m going for motability.
I appreciate that the postcode is a massive factor and causes huge variances in premium, as you highlight, but my point was about inexperienced drivers being the sole named person on the policy. Regardless of where you live, I’m sure that the premium will be reduced if an experienced driver is added. It may still be very high if it’s a high risk area, but it would be higher still if they were the only driver.