Frequent small insurance claims can significantly impact your insurance premium. Insurance policies aim to protect against major financial losses caused by significant events, and multiple small claims suggest a higher risk for future incidents, resulting in higher premiums. Here are some points to consider:

Premium Increases: 
Every claim you make can affect your insurance premium. Even minor claims can lead to higher premiums when you renew your policy. It's important to weigh the financial consequences of filing a claim against the potential reimbursement.

Self-Financing Minor Repairs: 
Before filing a claim, consider whether handling the repairs yourself is more cost-effective than making a claim. This approach helps safeguard your insurance premium.
 

Increasing Excesses: 
Opting for higher excesses can reduce claims frequency and lower your insurance premium. By taking on a larger portion of the financial responsibility in the event of a claim, you demonstrate a lower risk to the insurance company.

Loss Prevention Measures: 

Implement preventive measures to minimise the risk of accidents or damages. This can involve regular maintenance to ensure the safety and longevity of your property, reducing the likelihood of future claims.

By carefully assessing the need for filing small claims and adopting proactive measures, you can protect your insurance premium and maintain its affordability in the long term.