In general, you do end up with a higher premium the next year due to a non-fault claim as you are statistically more likely to have another accident. Of course there are exceptions, such as if you live in the middle of nowhere or have been driving for 60 years or something.
I see what you're saying - but this is where logic just falls apart. I could have parked in the local supermarket for the last ten years and not had an issue. I then do a road-trip and into the wilds of northern Scotland, get reversed into outside a newsagent and then get 'black flagged' as a higher risk?
At what point would any statistics state that I'm now far more likely to get damaged on every tenth visit to the local supermarket, once home - and that claims made by myself for damage with now be a regular occurrence? It's crazy - and if you want to go all 2019 about it - it could be argued as being discriminatory and a personal slant on me as a driver, through zero fault of my own. Of course, that sounds ridiculous to say that, but if you look at the facts, that's pretty much what's happening.
You have a legal obligation to pay for insurance and cannot back out of that. It should be a safety net to be used in the unlikely (and unwanted) event that something should go wrong. A small proportion of people try to take advantage of that - I indirectly knew of a woman who would 'accidentally' drop a tin of paint on her carpet when she wanted a new one and put a claim in for it. Hopefully the frequency of these people claiming just highlight that they are scroates and should be severely penalised for it. But the vast majority of us should not be tarred with the same brush.
I see a huge chunk of my wage disappear every month into that black hole called 'tax and deductions'. I know that perhaps a large part of that is wasted through what the Govt. thinks is relevant at the time - but at least I see
some benefit for it. Car insurance is nothing but a legally enforced industry of gambling - trying desperately to balance your perceived risk versus how much you're willing to pay. So you pay this money to drive a car, simply because you have to. And then we'll factor in your job. And then we'll factor in your postcode. And then we'll factor in if you have kids. And then we'll factor in your annual mileage. The list goes on - all the while seeing some random number generator fire out a quote to you once a year, and you begrudgingly making a payment for it.
If I could, I'd rather blow the whole lot instead on Lottery tickets. Again, at least I'd feel (if not directly see) a benefit from doing so...
