Linas hi …… and All
I think those brokers and insurers ….. all of ‘em ……. have a base point that they won’t insure you whatever, being car, driver age and experience, postcode
When they do pass this “ test”, next comes the number of “ events “ on prior policies …… your fault or not, non physical even like glass claim events
You may have a totally clean record with everyone else at fault BUT you have been involved and caused some insurer somewhere to open your file and spend time on it
I can’t, and won’t even try to explain the totally incomprehensible and inexplicable and one just has to chase around finding an insurer that maybe just “ likes” you
If there’s any insurer, broker or even Dan that can dispel my irreverent thoughts then GOOD …… let’s hear them eh ! 😂
Malc