I'm with General Accident which is Aviva's online brand and its 5 years.

If you want to check Aviva go through the quote system and stop at that question.

We have made 7 claims over the last 35 years which is pretty much inevitable. Only one was our fault, the wife hit the wall at the front of the house reversing in, said she was distracted by a cat passing. Of the others in 3 we were hit up the rear when stationary at junctions, in another a van reversed into the front of us whilst we were stationary at lights (he had overshot the line), we had a car stolen, recovered and repaired and we had one broken into but nothing taken. In one I was hit by a motorcycle when I was stationary behind a car waiting to turn right. Motorcyclist was fine and rode off after exchanging details, my damage was to the drivers door mirror and side window with minor panel damage. 2 days later I was in hospital with severe eye pain, there was glass in it.

Had protected no-claims all this time so that has never been lost and on renewal we have never had a price increase more than the expected normal inflation figure. The odd one was the renewal after the car was stolen, the price dropped from just over £600 to about £400.

We do a search every year for a better deal and have changed companies a couple of times but I would think that we have been with Aviva for at least 25 of those 35 years.

Dad drove from the early 50's until 2014 and in that time he only had 5 claims. 2 were his fault, one was a break in when the stereo was stolen (early 90's) and the other 2 were being hit when the car was stationary. The last claim was when he was when he was in his mid 80's, his fault and was pretty substantial, I suspected the car would be written off, worth about £3000 and the bill came to almost £2000. His premium the year after that fell. Most of the time he used a local broker. last off he used Aviva.

So based on my own and dads experience I have never seen this mysterious loading after a claim.