Glyn

You have identified the dishonesty of all insurance companies, their slick adverts create the impression you loose nothing if for example you are hit by an uninsured driver - or they labour the point in the event of a claim your NCD is protected - but the sneaky slimy gits raise your premium and then apply your NCD at the old rate you had to the new premium, and it doesn't stop there - they declare the fact that once you've had a claim (even non fault claims) statistics say your more likely to have another claim - so your risk increases - and that's what premiums are based on, and the increased risks - and premiums apply for 3 years. My Wife's car was scraped in a car park - she wasn't even in the car - she was shopping and discovered the damage when she returned - and fortunately the car that caused the damage was still next to her car - so photos etc and waited for the owner to return. It was a tiny scrape and the lady accepted she had done it but when she went home and told her husband he decided the insurance company should deal with it - so her insurance paid for a whole new bumper and painting rather than perhaps £100 to have it repaired. The insurance company increased my wife's premiums for 3 years. However - the insurance company wont tell you how much additional loading they have applied as they disguise it all with smoke and mirrors - they say premiums do rise each year etc and cant say what the effect was - which is a lie as they increased the premium because of a non fault claim (For which they paid absolutely nothing out for) This prevents you from adding to your claim against the other driver the costs of the additional premiums over the three years - which are "damages" in legal terms. Insurance companies are allowed to completely ignore the Equality Act as they discriminate on postcode, age, s3x, marital status, etc to establish a premium, something the equality act absolutely forbids. If I were you I wouldn't be talking to my insurance company at all