Why was my friend quoted £1,200 car insurance for living in Essex but £3,500 if she lived 80 miles away in Surrey

If you plan to buy either car or home insurance I wonder if you might look at my small price comparison site A Spokesman Said as we earn a little commission from each sale which helps fund the research and editorial costs of running the site. It has the same offer as the big ones like Go Compare. Thank you.
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Having owned the price comparison site A Spokesman Said for a number of years you would have thought I would know all there is to know about car insurance. I have just discovered I know very little.

Take this story. My friend owns an electric Jaguar I-Pace worth around the £75,000 mark. She lives in the Great Dunmow area of Essex - it’s nearer Copenhagen than London - and wants to move to Weybridge in Surrey.

So she call the car insurers LV who quote her £1,200 fully comp for Great Dunmow but if she moves the 80 miles to Weybridge that figure goes up to, wait for it, £3,500. Yes I did say £3,500.

How is this possible? The lady from LV did not know how the figures were worked out.
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What we do know is that the company has algorithms which does the heavy lifting taking into account your claims record, cost of car, your age, thefts from the area, number of accidents in the districts etc.

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None of this accounts for a trebling of her insurance costs. For instance my friend went immediately online and Aviva only wanted just over £1,000 if she lived in Weybridge.

Could it be that included in the LV algorithm was software which worked out the cost of the address she was moving to and the company pushed up the price on the ability of the householders to pay?

Whatever the answer the pricing policy is a disgrace. LV used to be owned by its members but a couple of years back was bought by the huge German company Allianz.

Perhaps the Germans are paying us back for voting Brexit. I do need an explanation. Do go on price comparison sites before renewing or moving. You would be mad not to.

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PS: So just to mention again but if you plan to buy either car or home insurance I wonder if you might look at my small price comparison site A Spokesman Said as we earn a little commission from each sale which helps fund the research and editorial costs of running the site. It has the same offer as the big ones like Go Compare. Thank you.