This rating factor comes as a surprise to many a new driver who doesn’t understand why her work-mate in a neighbouring town, driving the same car is paying X amount of ££s less than her. Even though they have the same job title and the same NCD.
Like it or not, some postcodes represent a higher risk to insurers than others. Those higher risks will always be reflected in higher premiums to mitigate said higher risks.
Of course, the up side to this is that YOU may live in a low risk postcode, in which case YOU will benefit from a comparatively lower premium than your (envious) colleague!