I think a few of you know I had a rear end shunt in the MoHo last year. I was insured with Carole Nash and to be fair the claim went through without any problem, although my van repairs has only just been completed and my repairers have yet to be paid - (less the £250 excess.). Any hoo. I came to re-insure my 1ltr Ford Fiesta today with Carole Nash. It has gone up exactly £50 from £227 last year to £277 so I had a look around and found Direct Line quote £187 even with the accident to the van. So pre armed I rang Carole Nash (insurances take the renewal automatically now unless you tell them different). Ok she sez I'll see how close we can get to the Direct Line quote. During the conversation the accident with the van came up. All of a sudden the attitude and conversation changed completely. The accident in the van increased the premium by a further £150+ and will be subject to the increased premium for the next three years. Now we are at £412 for a 1lr Fiesta (that does less than 4000 miles a year) 68 year old drivers, with 15 years No Claims! It seems my paying for protected NC is a waste of money - it don't count for some reason. With Carole Nash any accident in any vehicle is subject to a premium payment. I hate to think how much the Van renewal due in April is going to cost with them. I expected to lose the NC on the van but that's only a few years - but not on every other vehicle including my motor bikes. I went back to Direct Line and confirmed with them that they has taken account of the accident in the van. The total premium including protected NC came to £201. Guess who I'm insured with?