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I've recently moved from a company scheme to one I'm paying for. I have no idea if any claims I make will mean an increase in the premium next year.(as they do with house and car insurances.)
I have made one claim so far on this policy (it's shared responsibility so I pay a % of each claim) in the current year.
I am now possibly going to ask to see another consultant over a new issue (in my first year with this policy) and wonder if paying upfront the £250 consultation fee might be better than going through the insurance and having hefty hike in the premium.