Johnson is rebranding to belairdirect to offer an even more seamless customer experience. To learn more, click here.

Customer Help & Support

Find answers to questions by product type

I’ve never had a claim, so why has my insurance premium gone up?

Insurance is a protection plan that involves a group of people whose premiums are gathered into a common fund. When someone in the group suffers a loss, such as a serious car accident, their insurance company accesses the premiums in this fund to cover claims arising from losses. In a year when there are many claims, or when settlements are especially high, everyone in the group will have slightly higher premiums the next year to ensure that the fund is full.

Premium rate calculations are also influenced by changes in government regulations and taxes. Also, the costs of court awards, towing fees, repair costs and insurance fraud all have an impact on how premiums are determined.


By accessing and browsing this website visitors accept, without limitation or qualification, the terms and conditions (*Terms of use).

If you haven't found what you are looking for, please visit Help & Support for more information.