My bike premiums haven't changed much (road and off-road bikes on the same policy through CIA), maybe helped by becoming a proper old git last year (60). My car insurance premium renewal jumped up a heap so I did a comparison on-line and went back to my brokers with the lowest quote and said if you can match it I'll stay, so they did....
Same as Badger Roy, my wife's car was written off by an eejit who drove into it at a crossroads, totally his fault, uncontested claim, no plod involvement (not necessary), yet despite absolutely no culpability on our part (I was driving it at the time), her premiums will be loaded for a while. I don't know how they can statistically justify their assertion that having been clobbered by an idiot, we are MORE likely to get clobbered again in future... Insurance is little more than legalised robbery (mutter, grumble)
