@Timmy - but the insurance company sees is the way Corey explained it. They see it that those from West Footscray, Frankston will go to suburbs like Brighton and Toorak to steal things as they have nicer things. I.e, thieves won't go to frankston to steal. Well when my mates moved from frankston to Brighton beach and their insurance premium went up, that was th explaination given. Location plays a big part of insurance premiums.
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