me and me girl just had racq up the premium and reduce the amount payable again as they have for the last 5 years and shes been with em 10 years rating 1 for more then 10 years and never made a claim as you have experienced, its for a car and not as much but as you said we changed just on principal. i wish 1 million people done it and then they may listin to customer loyalty... it really erked me to bro.. we got a good deal and great easy quick as customer servie with aami bro, as the commercial says (not very insurancy) as they were nice.. shop around bro if you can dont take it..