just seen this reply. We customers have no contact with the underwriter. Customer services will have no contact with them either. The only contact we have is with the monkey, not the organ grinder.
I was surprised today to find my renewal quote with Aviva has gone up from £325 to £366. Not pleasantly surprised of course but when the cheapest comparison site quote ( for less cover and double the excess ) was £407 with Flow, the next being £498 with Churchill ( their basic cover ), I don't ever recall seeing such a wide spread of prices in car insurance.
I've insured with Direct Line several times in the past, sometimes they're one of the cheaperst but they've never been that far off the mark. This year they want £798 FFS.
There's nobody can give you a reason why your insurance price has altered.
I thought I knew most of the tricks to lessen your insurance premium but listened with interest to Martin Lewis on 5 Live during the week. He was saying that they've found the ideal time to buy your insurance is approx 21day before renewal. For Joe Average , if you search 30 days before renewal, then the prices are high. They lower towards that 21 day mark, then as the renewal date approaches, the prices steadily increase again. I've certainly noticed prices changing in the month leading up to renewal but never realised there was any pattern to it. Now how does that relate to some fixed rule that a price has changed because of some previous incident?
Insurance premiums - it's no different to the tic-tac bookmaker on a racecourse. He has a bag of money and he'll constantly alter the odds depending on how many bets are placed and his potential pay out. Over time, the ones who get their sums right can make a killing, the ones who get it wrong ( like John McCririck ) have to look for another career. Speaking of which, just look at the number of insurers / brokers who've gone to the wall in recent years. Many of them are now owned by the same parent company.