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does that mean for the first time insurance will go up instead of going down at renewal time when you get a no claims?



If mines anything to go by then yes unfortunately. Since my one accident in 2006 my insurance has gone down every year, and even then by shopping around I've been able to bring it down further and last year I only paid £470. This year my renewal I got last week was £580 and after many hours searching I haven't yet found any cheaper.
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