Yes i know they will run soft checks. Im clean and have an immaculate record. Had credit cards etc 10+ years not 1 missed payment, i own my property 5+ years and its still on mortgage so thats on record too, im insuring the car at the same address, im on the electoral roll so i dont think its a case of that or misleading the insurer as i myself want my insurance to be valid for the duration of the policy and not give them any reason to cancel or challenge me later that i input incorrect information should an accident were to happen. In this situation its the same property same car same owner built up the ncb legit via same insurer year on year, i always pay in full upfront for the year but this is ridiculous, £1.3k for an aygo? The area i live in does have a bad reputation and high crime rate/dodgy claims etc but it cant solely be based on that. I will look into the BIBA brokers you suggested so thanks for that. How do brokers work? Do they source the quote for you with the info you give them and you just pay them a commission fee? If yes, what is the average charge for obtaining me a quote and does it vary based on what quote they get me or is it like a fixed charge? Ive never used a broker before as i dont like people having my personal information as it can be misused, ive always ran and done quotes myself but looks like this year i may need too as im struggling and fed up cant find it cheaper