You get a better deal by going to the insurance companies direct. Price Comparison sites are great for identity theft and they only promote those who pay most to advertise with them. That is why a number of insurers now refuse to pay the sites and say so on TV. Your premium does not increase if you are not at fault, your NCB might be suspended during an investigation but later reinstated. Not all companies are the same, go with a well known one and you will not be left with misleading terminology that could be misinterpreted.