‘It felt like a massive scam’: the minor prangs to cars that lead to huge charges

Readers tell us insurance premiums soared and vehicles were written off after the cost of claims soared

Want to know why your car insurance premium has doubled in the past two years? Could the apparently bizarre and wasteful way that car insurers pay claims have something to do with it?

Guardian Money recently asked readers to describe their experience after they had been involved in minor prangs, and the responses – and the figures quoted – are astonishing.