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in reply to anon @13:28.

There had been an admission (it was a rear end shunt) and all claims settled without even going through the portal.

But the interesting thing is this is my first claim since 1998 and in the intervening period every year the same thing has happened, I go to renew with my insurer and the premium is ramped up: I get another quote and it goes back down to more or less the same level.

As to your point about increase in risk and therefore the premium: why was a new insurer with whom I had had no previous relationship prepared to offer a 40% lower premium.

If you have any evidence as to the likelihood of a claim on my policy increasing because someone drove into the back of my car please cite the source, otherwise be prepared to be disbelieved: after all that that can be asserted without evidence can be dismissed without evidence.