[Russ]

I'm not trying to justify anything, just explain it a little - often nothing about you or what you have/haven't done will affect your insurance premium.

You could be the safest driver in the world with the perfect driving record, have the lowest-group car possible and be in the most low-risk job of all but if a number of people in your area with the same car as you have made accident or theft claims your premium will be affected.

Totally unfair on you of course but insurance is all about risk categories and unfortunately people can be lumbered in the wrong ones.