In 2005 my motor insurer paid for repair to my car, which had suffered damage whilst parked in a French town. As there was no third party I forfeited my policy excess. In 2007 my car was rear end shunted whilst stationary in traffic. Again, my insurer paid for the repair to my car and once more I forfeited my policy excess. The claim against the third party has not yet been resolved. When my policy was due for renewal in 2007, my insurer applied a substantial addition to the premium whilst still maintaining the protected 60% NCB. This was necessary, they explained, because I had submitted two claims. This addition has been maintained for the 2008 and 2009 renewals. Is it normal practice in the motor insurance business to substantially increase premiums under the above circumstances whilst maintaining the protected no claim bonus? Your comments would be greatly appreciated