No claims does not freeze a premium. Insurers can still change prices because of wider costs, your circumstances or their own approach to risk.
No claim does not mean no change
The insurer is pricing the next year, not simply rewarding the previous one. Its costs and appetite can change.
Your details may have changed quietly
Age, postcode, mileage, occupation, vehicle value and named drivers can all be relevant even where there has been no claim.
Compare the market, not just last year
Your old premium is useful context, but the important question is what suitable cover costs now from several providers.
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