That's actually a good point, London gets worse every year and yet my premium still dropped by over £100. That makes no sense, unless the sheep have turned to car crime.......... :P
(Sorry cheap shot )
London, is a big place with lots of cars to pick from so the % of your car geting nicked is low as there are so many, thats why, but where he is, theres no one around, so if you was looking for an IS to nick where would you get it from some where there is 10,000 car driveing around, or some where where there is only 50 car and no one to see or hear you take ??