Insurances can be done fairly though. Take car insurance (where I live); if you drive accident-free, no problem, you get a discount that grows every year (up to 70%, depending on the company). Get into an accident that wasn&#x27;t your fault? No problem, the other party&#x27;s insurance (which is mandatory) will pay. Get into an accident that was your fault (like I did :( ), your no-claim discount will drop because you f&#x27;d up.<p>My insurance doubled. This was a €900 bill though, so doing the maths, that&#x27;s 9 years worth of no-claim discount (as in, I&#x27;d have to drive accident-free for 9 years with the same policy before I would earn the not-claiming-insurance back).<p>Of course, that&#x27;s based on a motorcycle insurance, which is half as expensive as a car insurance; if I get a car insurance later, that discount (or lack thereof) will persist.<p>TL;DR: I have no problems with insurances becoming more expensive for people that make or get claims for things that were their fault.