Half the time it just feels like insurance companies just pluck figures out of thin air.
My premium went up because somebody pulled out on me, causing me to crash and write my civic off. Person that caused the accident, f**ked off and left me to claim off my own back because the police are useless.
Just seems that I'm having to pay out even more because some dozy bitch can't judge when to pull out of a junction.
I'm not moaning here, just saying because there isn't anything I can do about it now anyway. But still pisses me off.