Jan
I claim for everything, even if the bill is £30. That's why I pay extra, so I have no excess. Until this year, Bailey's insurance cost me around £130 per year, so no, in the past his premiums haven't gone up because I have claimed.
It has gone up this year, but as I understood it, with M&S all the premiums went up so I was expecting an increase, regardless of any claims I had made.