Insurance not for accidents

<p>I thought that we pay for insurance so that if and when an accident occurs, you are not caught off guard. As the word accident mean, it can happen anytime.</p> <p>My premiums got increased by R497 just because I have claimed after an accident. The premiums never decrease if you don't claim and even when the value of the insured car depreciate, they don't decrease.</p> <p>This is a ******* and its time to look for another insurance.</p>