I am in the same situation as the OP. I had an accident last year and was liable. But in fairness, they (FBD) are not loading me - nor should they be in the spirit of a protected no claims bonus. At worst, your locked in to your existing insurance company for five years. However, they shouldnt be loading your premium - it should be the same as prior to the accident. I would challenge it and put your query on paper. See what they come back with. After that, i'm not sure where you go from there. I wouldnt mind if you named the insurance company so that i can avoid them in future.