This article suggests that car insurance premiums could rise by as much as 20% this year. This would mean that the average premium for a driver with a full no claims bonus would rise from £400 to $380. The rise is due to an increase in fraud and the high cost of personal injury claims. This article suggests that currently for every £100 spent on premiums the insurer pays out as much £105. Around £30 of each policy paid by the UK 33 million insured motorists also goes to cover the costs of accidents involving those with no insurance.