Hi Kartrak,

ICICI Lombard will only have charged you the extra based on your new city, you have moved in because they now see extra risks based on their own statistics of claims and subsequent risks from your new area, they would probably have charged anyone the same increase, therefore they are acting fairly, although it seems a lot to you.

As long as they have not unfairly increased your premium, there is very little you can do except shop around for another company.

Areas that have more car crime, or are statistically more likely to have claims through accidents, are always going to be charged higher premiums than say, a quiet countryside village with a low risk assessment, based on previous lower amounts of claims.