insurance risk factor

sx_turbo

Lifer
after my gt got written off in november, i decided to get myself a new one.

so i now have my new one, and it's insurance renewal time, and i am finding that a lot of company's are now refusing me cover because of the accident.

now the accident wasnt my fault, as the transit went into the back of me.

my current insurance co, have put my insurance up £600 because of this.

surely if the accident wasnt my fault, i shouldnt be punished with the higher premiums?

at the moment i am sick and tired of insurance company's, as since the accident all i have done is get screwed over left right and centre by them.

anyway, how do insurances calculate risk factor?
 
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