A claim or incident will usually change your premium for a few key reasons: Other factors, such as changes in personal information and market trends, can also influence premium adjustments.
When you make a claim or are involved in an accident, insurers see this as an increased risk – meaning there’s a higher chance you may claim again. Insurers assess this risk based on data trends and your claims history, ensuring their pricing reflects the likelihood of future claims.
That higher risk often leads to a higher premium when it comes time to renew or adjust your policy 
Changes in personal information, such as updates to your driving history or the addition of new convictions, can also impact your premium. For example, if your licence pass date is corrected or a recent conviction is added to your record, this may alter your risk profile and lead to higher costs.
Even non-fault claims can affect pricing, as insurers still consider the overall claims history when calculating risk. This is because a history of multiple claims, regardless of fault, might suggest a higher likelihood of future incidents.
Always check your policy documents or speak to our team if you’re unsure about the impact of a specific claim. Reviewing your policy documents can also help you identify specific changes, such as adjustments in coverage or discounts applied. Don't hesitate to reach out to compare quotes or explore options for potential savings.
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