Hi everyone,
I'm new to this forum and I decided to share my experience to see what advice I can get from people with a similar situation. I've been paying for my car insurance about 140 EUR/month over almost 2 years now. A few days ago my girlfriend had a small accident with the car while parking, creating a bump to the front (close to the spoiler) that costs about 1000 EUR to repair. So I decided I was finally going to use the car insurance that has costed so much so far. I also decided to replace 3 of the 4 wheels I damaged a few months ago while parking in a very narrow parking in Paris.
Well, it turns out that both claims will reduce my number of damage-free years to -6! So basically, each of these claims reduces the number of damage-free years by 5 years each. But it's insane to even think these were not even real accidents! So now the insurance says that if I claim 1 accident my insurance goes up a bit (to about 160 EUR/month) and if I claim both it goes up by a lot (to 310 EUR/month!). So I said to myself: well, if the insurance wants to do this, then I fix my car and then I terminate my insurance with them and find something else. Of course the insurance company claims that no other insurance will want to take me because everything related to my policy will be in the system. So at this point I don't know what to do. Does anyone have some advice on how I should proceed?