How often can I file vehicle claims without affecting my policy?

Insurance companies differ in their tolerance for claims. Generally, one or two claims within a few years might not significantly impact your policy. 

Some policies offer accident forgiveness or protect your no-claims bonus, allowing a certain number of claims without affecting premiums. 

Insurers consider various factors when underwriting policies, including your claims history, which can influence future premiums. 

Several claims over a short period might increase the likelihood of premium hikes or policy non-renewal. Be mindful of your claims history's cumulative effect on your policy.