After agreeing on the premium and paying my first instalment Budget, who I had been a customer of for three years then located a telephone call I had made to them explaining that a driver had hit me from behind whilst I was at traffic lights. There was obviously no claim by the driver at fault and I was not going to make a claim so the call was just for informative purposes. They used this non-claim incident to increase the premium by 45%. Their customer services were brilliant and Blake, the gentleman helping me, was also quite shocked at the situation and spent some 40 minutes trying to resolve it in my favour but all to no avail. He did though quash the charge for cancellation and credited me with a goodwill payment. I would advise anybody reading this to NEVER divulge any situation/accident/incident where you are not at fault and do not wish to make a claim, this insurance company will use your honesty to fiscally punish you.