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How does Auto & General justify a 25% premium increase on top of a 6% increase in Excess. CPI is sitting at 2.8% which means that average salary increases are less than 3% and when there is a claim, Auto & General find it too much of an effort to claim the excess back from the person who caused the accident. With the current COVID-19 situation, many people are unemployed or have had to take a cut in salary. Maybe if Auto & General were more ethical with their pricing, more people would be insured.