I moved to a nicer area and all our vehicles went up when we rang to update the details, they said that because payouts to residents from that area cost more the premiums are more, basically even if a person lives in a nice area yet has a bump in the centre of a rough town the stats show big payouts going to the nice postcode because the people from the posh area have more expensive cars. More likely they think the people from the posh area will cough up the extra cash!
Edit to say we dont have any expensive cars either,lol.
I'm sure they just make up excuses and pick the premiums out of the sky.
As with mine using that because I'm unemployed that somehow means I wouldn't be able to afford the premium, even though I've always chose to pay in full at the start and not monthly. And the whole 'not being able to afford to maintain your vehicle' also takes the. So what they are saying in within the next year my tyres (new last year and £30 each) will have worn out within the next 5k along with my brakes etc. But then it would be perfectly ok for me to be employed, have a dirt cheap premium and then drive round for 8 or so months with bald tyres and only one headlamp and classed as a safer driver less likely to have an accident.