You can't have it both ways. I've yet to hear of any insurer 'paying back' customers in full or part, given that the lockdowns were not absolute (we could drive) or that the insurers had any clauses in their policies to refund customers in such cases if they don't use their cars as much.

Get reading some more - plenty of insurers paid some premiums back to their customers during lockdowns...me included.

Just because you and a few others (whom had their experience publicised) had this doesn't mean it was applicable or applied to the majority. Besides, if it was, then the price rises would've surely kicked in a year ago, given that the lockdowns started in 2020 and mainly affected that year.

I do not know any neighbour, family member or friend who had any part reimbursement in their premium. I suspect that this affected a very small minority of people at best, which is why I am suspicious of why prices are now rising and by so much in one go.

Note that breakdown cover (effectively insurance) hasn't suddenly increased by similar amounts at the same time.

You can't have it both ways. I've yet to hear of any insurer 'paying back' customers in full or part, given that the lockdowns were not absolute (we could drive) or that the insurers had any clauses in their policies to refund customers in such cases if they don't use their cars as much.

Get reading some more - plenty of insurers paid some premiums back to their customers during lockdowns...me included.

Just because you and a few others (whom had their experience publicised) had this doesn't mean it was applicable or applied to the majority. Besides, if it was, then the price rises would've surely kicked in a year ago, given that the lockdowns started in 2020 and mainly affected that year.

I do not know any neighbour, family member or friend who had any part reimbursement in their premium. I suspect that this affected a very small minority of people at best, which is why I am suspicious of why prices are now rising and by so much in one go.

Note that breakdown cover (effectively insurance) hasn't suddenly increased by similar amounts at the same time.

Did I ever say the majority had some refunded? You said no one had but have told you I did and others have. That is all.

IMHO you appeared to imply it was commonplace when it likely wasn't.

Price rises are due to the pandemic in that it disrupted supply chains, which then had to cope with the Ukraine war, high inflation and manufactuerers concentrating on building EVs rather than parts for older cars which is increasing the costs of insurance as the spares cost more or are no available which means the customers have more hire vehicles which costs....that's why the costs are going up.

Funny how they oinly kick in a year later than every other type of cost increase, including other 'insurance' type products.

Breakdown cover won't have increased as much as they don't need to do as much requiring parts as they more often than not do a few things on site or two you to a garage....an no hire cars usually involved and long drawn out claims

Surely those same cost increases (aside from replacement cars) affecting the insurers would affect breakdown providers - electricity, fuel costs, car parts. Besides, many are saying that their premiums were hiked 100%, not the around 30% that car prices went up (and did so in 2021-22, prior to the Ukraine war) due to the affects of the Pandemic.

Yes, it would have an effect, but not so suddenly or as pronounced. My premium (renewed in the Spring) barely went up, and yet all of those cost base increases would've been there by then, surely?

I think other 'factors' are at play here, especially as certain products and services that hadn't gone up that much suddenly jump, seemingly for no reason.