Hi. Thanks for the replies. She's only 14 months! They've had to pay out a few times for her this year [but not very much as the excess is £100] , but told me at some point this wouldn't mean the premiums would go up.

They've also slapped an impossible exclusion on the policy which they could use to block payment, if they choose to. [too complex to go into here].

What I really want to know is how unusual is it for premiums to increase so much.