I had 9 years no claims & last year I caught my back wheel arch on a gate at work. I enquired about having it mended through my insurance, but decided to do it privately costing me £700. This year when I got the cost of my renewal policy I think it was almost double of what I paid last year. Apparently even though I only enquired about using my insurance it cost me 6 years no claims. I tried to explain this but was told the panel would look at it on the 1st of march. Because my renewal was so ridiculously high I had to take out a pay monthly option & have still not heard from budget. To say I'm disappointed is an understatement as they had been brilliant up until now. I'm hugely unhappy.