Hey Danni, this same thing happened to my mum - twice. She is with RACV and rang them and asked why her premium had increased so much - they said the same thing as yours & she she disputed it, saying that she hadn't had a claim, still lives at the same address, same job, same life/nothing had changed - they put it back to what it was the previous year!
BTW - I am with AAMI and have had a claim & they were great to deal with







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