There are many parties to blame for motor insurance premium increases. In no particular order: A) Insurers, vehicle repairers, police, franchised dealers and breakdown companies who sell details of non fault accident victims. B) Solicitors and credit hire companies who pay for the details and need to recoup that cost. C) "victims" who are persuaded to claim for injuries (often whiplash) which don't exist so that those in B) above can recover what they've paid for the information and the extortionate fees they charge. D) Staged accident fraud rings.