I had two claims over the last 5 years. The first I was rear ended at a junction. The second was an unoccupied car, with the handbrake not pulled up, rolled down the road and hit my car. My insurance is with Admiral and both claims were handled by their legal team, Albany Assistance. In both cases they knew, and agreed, that the accidents were not my fault and there was nothing I could have done. Indeed, in the second accident, two Police officers were actually walking past my car when it was hit. Both provided statements. When my insurance renewal came round it has increased by £400. Admiral, and other insurance companies I have tried, all say it is because I have made two claims, regardless that neither were my fault. To quote the Admiral customer representative, I am now "statistically bad luck". I didn't know bad luck was taken into account in the factual statistics of insurance. To answer the OP - I would try to keep as much as legally possible from those insurance companies and their shoddy practice.