i go through the same little game every year, my premium goes up i ring and argue and find a cheaper like for like quote..they then come down on the price...Got so fed up this year i changed companies , i get so annoyed when i see premiums going up, i work in the bodyshop repair industry and the level of work has dropped of a cliff over the last 2-3 years. There are bodyshops closing ,redundancies ,short weeks etc. Even the insurance companies themselves are shedding staff/engineers .I worry about my job every week through lack of work and yet the premiums keep on going up !!! Apparently its the amount of personel injurys causing the problem..ie whiplash claims.