Premium raised by a 1000 because its your fault when people bump your car of when you get hijacked and kidnapped

My premium was increased by more than 1000 .

All because of the following incidents

1. I got hijacked and kidnapped (its my fault) ,car recovered but was slightly damaged 2. Someone bumped into my car while it was parking (its my fault) 3. Someone bumped me from behind (its my fault)

I urge most of you not to take up car insurance with budget ,else you will find yourself in my case .