I've been with Privilege for 10 years and 3 cars, I haven't claimed a penny from them. I changed my car recently to a newer one (same class, nothing luxury or unusual), and amended my policy to cover this car instead of the previous one. The increase of premium was acceptable but the premium wasn't so attractive any more. I paid it having no time to shop on the marked. But 3 months later I received a renewal 45% higher!!! I called them but - obviously - they didn't have any other explanation than "you bought a newer, more expensive car". Well, it happened 3 times in the past with me always replacing previous car with newer, more expensive one and my premium never blew up. And I always thought newer cars were SAFER, but maybe it is just me. Obviously it was "good buy" to the Privilege and my new insurance - with very highly rated insurer - is 2.2 TIMES cheaper. This is definitely not a relation to a suppplier of services you expect after 10 years of no-claims history. Sorry, Privilege, I'm massively disappointed...