Living in France, one particular year my rate shot up because although through no fault of my own in the previous five years an above neighbour had two leaks and my car was made a write off while parked legally. These were counted against me even though they were amicably settled with the other parties’ insurance paying everything. I did shop around but in every case I had to declare the previous five years so they pricing was the same. I don’t know if it is like this in the UK though.
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