Car insurance is more expensive for people living in cities rather than in rural areas, it has been claimed.
Graeme Trudgill, technical and corporate affairs executive for the British Insurance Brokers' Association (BIBA), explained the higher crime and accident rates in urban areas means insurance firms increase the cost of premiums to reflect the risk.
However, despite having to pay extra for their car insurance, those living in cities should not be tempted to avoid it, he warned.
Mr Trudgill said: "Our advice is to go to an insurance broker . They can get you affordable insurance, they can help you pay it in instalments, they can get you a policy to suit your pocket."
Those who do avoid taking out car insurance will find that the "net is tightening" around such offenders, he added.
Research by the Motor Insurance Bureau reveals that there are around two million uninsured vehicles on the UK's roads.
Police seized one uninsured vehicle every three minutes last year, the body also found.




