I read in The Times some years ago of a woman who inquired whether her household insurance covered a leaking a tap - she was told it didn't. That was all she wanted to know. When she tried to insure her car the cost rose by several Ā£100s simply because she had made an inquiry, and the bots had picked it up. All forms of insurance inc. travel are apparently all interlinked now, so if you make a minor claim or even an inquiry on one the others will all go up.
Much of the current increases are thought to be because the much higher cost of accident repair and breakdowns and recovery of electric vehicles that may be, but I suspect that's an easy bandwagon to jump on.
