I had a knock from an unknown person last year when the car was 2 months old. I had to make a claim on my own insurance (£2k damage), and my premium went up 10%. Now whether this was the normal increase or a weighting due to the claim I don't know, but I have never had a year when the premium went down.

Stats show the insurance companies that people who have an accident whether fault/no fault are more likely to claim again In the short/medium term, that is why your premium might go up but you keep your no claims discount.

All I can say to this is Stats Schmats.............

I've had two accidents in 15 years of driving, both non-fault, one in 1998 and one in 2012, so 14 years apart.................if that's "more likely to claim again in the short/medium term" then I'm Brad Pitt.

The insurance industry is a con, end of story; it has nothing to do with proper risk-profiling at all, they just lump loads of people in a specific box and make up a number to fit profit targets.

For example, I have a friend who has passed his IAM course, but still drives like a dickhead most of the time (inappropriate speed mainly) - on the basis of passing the course, he gets discounted insurance, but I'd say the way he drives he should pay much more.

H