17-01-2013, 04:58 PM
It's not really pointless, insurance is based on a lot more than just you and your area. It's based on the car, insurance group, number of accidents in said car and average cost of repairs/parts, average claims in accidents involving that car, crime and accidents in your postcode, claims in your postcode. The list goes on. It's useful to know sometimes what other people with the same car as you are paying. Then you can compare their price to yours and take into account postcode banding (there's a thread on here detailing what they are).