FWIW 2-3 years ago my rear bumper got scratched. I was in the car so I know it was nothing serious - GBP50 paint job at local garage. My God I received at least 10 phone calls from insurance related companies suggestively asking if I need medical compensation, gave me a replacement car for a week, an "engineer" was sent to asses structural damage. Poor other person ended up paying over GBP1500 for a minor scratch to all these leaches. Nobody in the insurance industry cares about costs when they can just raise premiums.
I'm with LV, last year for my M3P it was £343.93, this year (end of June) it was £465.06 - so I was happy with just £120 rise. fully comp, full NCB, old bugger in a safe postcode, 5000 miles per year, garaged overnight, social domestic pleasure - I'm retired.
My wife with a Fiesta had a similar (in money) increase in premiums - she is with Churchill.
Having read so many posts prior to receiving my renewal notice about massive increases in premium I got the Vaseline ready.
The insurance companies themselves pass accident details to their in house legal department to make those calls suggesting, encouraging, virtually pleading with you to coerce you into making a personal injury claim - they even do it if your car is parked and your not in it and bumped by another.
You cant question a premium because the people you talk to can only operate the computer - they know very little about insurance or should i say the calculation of risk by the underwriters which determines the premium. I do wonder if you have a minor accident, fault or non fault whereby the two parties are insured by the same insurer if they still call the parties to try and push a personal injury claim? just a thought.
Prior to 2012 insurers used to sell details of claims to the ambulance chaser law firms, Admiral made something like £17 million in 2011 doing this, The practice was made illegal by the government but it didn't stop them - they simply bought out law firms - and its legal to share information in house - so Admiral bought Aegis Law to continue the practice.
I also get infuriated by Insurance companies - like Direct Line - that advertise In the event your car is damaged by an uninsured driver they will repair your car and you wont loose your NCD - they say "why should you suffer for another's actions when its not your fault" - they give the impression your premium isn't negatively affected - but it is - You don't suffer a change of NCD % wise, but they do raise the premium because any claim in their minds makes you a higher risk, fault or not. DL also say "you wont find us on a comparison site" delivered as if they are better than that - a cut above the others, but, whilst the statement is true they are not prepared to miss out on potential revenue from comparison sites - so they use their sister company for that, Privilege.
I find ALL insurers are as dishonest as MPs and bankers
