Paul, sometimes it's not about the broker mate, insurer's will penalise everyone for a poor claims year, you may gain bonus, you and the car are a year older etc, but at the end of the day you are still paying for someone elses mistakes!

Not what you want to hear but that's the way it can be, not right I know but something we all have to deal with, I spend all day explaining it to customers at work

Companies these day's do multi car policies and again, some companies will mirror bonus', but it depends on the insurer and your criteria.