I seem to always end up back with AXA, at renewal its always higher so I go somewhere else for a year and then they are the cheapest again. Home and car now with them.
However, I made a claim with AXA when someone knocked the zed, they put my premium up even though I wasn't in the car, it wasn't my fault and we claimed and won against the third party. When I rejoined after a year with another company I put down that I hadn't had an acciden in 3 years seeing that I wasn't in the car, they sent a letter back saying that they checked their records and I had had an accident. I tried to explain but wouldn't have the fact that I wasn't in the car as an excuse, cost me another 5%