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Thankyou all for your answers. When my insurence sent my new policy through and I saw the �200.00 excess and the premiums had gone up I rang them to ask why, that is when I was told quote "you have made 3 claims in 2 yrs" I replied "not me" oh yes came the answer, you claimed for accidental damage to PS2 which we refunded the cost of a new 1 (less �50. 00 excess), I agreed to that, then I was told you enquired about fridge that stopped working because the gas had emptied then you rang in for claim form to replace shattered glass oven door, to which I replied yes but I received nothing not even forms, the fridge you said was not accident fair enough, then the door. I said to them if I go into a shop and ask to look at a pair of shoes just because I looked I am not asked to pay for them, I was just told that is their policy. they say I am a high risk customer I have been with them 12 yrs and have made 2 claims as I see it for which I was refunded.So I am stuck with them because if I change the new company will also think that I have made all these claims. They have got me by the short and curly's