Just over 5 years ago I had a nightmare with home insurance.
I had storm damage claim a few years before, approx £800, then just before we moved we were burgled to to tune of about 8k. When we moved axa via Pedalcover wanted another £1000k due to the claims. Stating once burgled more likely to be burgled. Despite the fact we were in a different postcode now, with much lower crime. Anyway had to stump up as we needed to be insured for the mortgage. Was also told if I had a third claim in a 5 year period I would be uninsurable. Ditched Pedalcover/a a next renewal as they bumped the premium yet another £1k, switched to aviva with named bikes and they we a quarter of the price for better cover.
Thankfully no claims now for 5 years so worry over.
Now have a £500 excess, and just write any damage off under that. Like when boy#2 smashed the tv screen with a hot wheels car….
Number of claims matters, like a black mark against you