[QUOTE=amnesia;3854084]I've worked in the general insurance industry for around 20 years... there is no one reason why insurers decide to increase prices - every company has their own pricing strategy and is free to price risk how they deem fit, within the regulations outlined by the FCA etc. Gone are the days where insurers simply rate the risk... that's way too simplistic and there is MASSES of data available that can be used to rate on. HOWEVER... there are a few things ...