As already stated, I have a no claims bonus. I have a beautiful car which cost me only €5,000. However, the insurance premium has risen to €1,800 and I do not know the reason for this. It could be justified if the size of the motor car I own had any effect on the equation or the spare parts for it – they are quite expensive – come into play. However, I am only insured for third party, fire and theft. If I was involved in an accident or if the car was stolen, the insurance company would only be obliged to pay out approximately €3,000. I do not understand how premia are calculated. I believe the insurance companies say that I have a swanky car and, even though it is ten years old, that they will whack him.