Insurance firms are milking the motorist by charging Birmingham drivers extortionate premiums just because of their postcode, a city MP has warned.
Drivers could be charged four times as much just because they live in the wrong neighbourhood, said Roger Godsiff (Lab Hall Green).
And he urged the Government to stop insurers taking advantage of their captive audience.
Mr Godsiff said it was right that motorists were legally obliged to take out insurance but this left them vulnerable to being ripped off.
The MP delivered the blunt verdict as he led a House of Commons debate on the insurance industry.
He highlighted the case of one Sparkhill resident who discovered he was being charged four times as much as somebody with a different postcode.
Mr Godsiff said: He has been driving since 1987 and has 10 years no claims bonus . . . his postcode is B11 and he was quoted 1,200 a year for his motor insurance.
He then gave a different address, of a relative, in an adjoining postcode and supplying exactly the same details he was quoted 276.
The MP highlighted another constituent who took out fully comprehensive insurance and was unable to find a quote better than 600.
He then got quotes for exactly the same driving history but with a Solihull or Warwick and Leamington address and his quotes were less than 300.
So he was being asked to pay double because of where he lived and not because of his personal circumstances.
Mr Godsiff said: They should be developing insurance policies which reward careful drivers with a proven record of not claiming and which takes into account personal driving history and scrap this unfair and discriminatory policy of penalising everybody in certain postcodes.
Transport Minister Norman Baker told him that the Government would examine the issues he had raised.
He added: I would have thought there is an opportunity for an insurance company to be offering more reasonable premia in B11 in order to undercut those who are applying a crude postcode basis.
But obviously thats a matter for the industry to take forward itself.