I know that insurance is really complicated beyond a simple chap like myself, but IIRC the premium will consider past claims - OK, the discount may still be based on the full six years but the actual premium will be higher if you've claimed recently.
The most annoying thing at present is that even though points are dropped off your licence after 4 years (used to be 3), insurance companies ask for "in the last _5_ years".
Since they've got you by the proverbials you've no choice but to answer, even though your licence is "clean".
Harrumph,
Lee. |