" whose only change in circumstance was three points on a licence." LOL, so it seems much more likely the new speeding ticket or whatever had more effect than

" whose only change in circumstance was three points on a licence." LOL, so it seems much more likely the new speeding ticket or whatever had more effect than the Tesla on the price rise. Still maybe something to discuss (getting punished for speeding itself, then by the insurance rise), but a different issue.