There are now too many ways that car insurance companies try to up your premium A very minor claim of say £200 or less you are penalised over 3 years even though you've been a safe driver say for 10-15 yrs You seem to pay extra for everything What's the point of paying extra for protected no claims when you have an instance like above If you have 2-3 cars you have to work up your no claims on each vehicle even though you've been a safe driver and have say 11 yrs no claims on your first vehicle yet if you have a minor claim you are penalised on all your vehicles Yet if you have 3 vehicles and you have say 10yrs no claim on them all and you find that you only need 1 vehicle and say you purchase another vehicle say in 5yrs time you have to start your no claims bonus from scratch. Same goes for how much more you pay if you do a lot of miles a year? A driver that does a lot of driving should be given a big discount and the people with less miles should be paying more as they are not being used to every day driving If you have a SP 30 you pay more? Why? You've already been fined and penalised 3 points? It doesn't make you s bad driver I'm in my 60s I think also that young people that had spent a lot of money to learn to drive and yet as soon as they get there first insurance it's mega bucks They should be on a sort of low cost insurance but if they have a claim they then pay a much higher sum .