Your claims history plays a role in your car insurance renewal terms:

• Increased premiums: Making car insurance claims can lead to higher premiums at renewal time.
• Claim frequency: The more claims you make, the more significant the potential impact on your premiums.
• Claim severity: Large or expensive claims will have a more substantial effect than minor ones.
• Risk assessment: Insurers view drivers with claims history as having a higher risk.
• No-claims bonus: Maintaining a no-claims bonus can help keep your premiums lower.

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