It is quite amusing reading some of the responses.
I see Red has picked up on the Co-op stuff.
If I took out an insurance policy last year and the same policy a year later the cost will rise whatever I do or don't do, it is called inflation in a lot of cases.
The person working in the office gets a pay rise, so a bit gets added to the policy cost, price of gas goes up, it costs more to run the insurers office, the cost of the policy goes up, same with other utilities, the costs of just being there go up so they pass the cost on. The repairs cost more because the garages and suppliers costs go up because of inflation.
I take out my insurance for the car every year, I expect it to go up, but I can look at it and tweak it a bit to keep the cost down, I can limit my milage, I can increase the amount of excess I am willing to pay on my cover, you can claim this back from the other party if it is their fault.
My insurance cover includes things like recovery if undrivable, courtesy car for when in the garage being repaired.
I also have insurance on my policy, AKA "Protected no claims" so I can have four "Fault" claims in five years without it affecting the policy cost because of the accidents.
It also covers the costs of the emergency services being called out, because they have the right to reclaim some of their costs as well.
