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Honest driver with 25-years no claims - why are my premiums so expensive?

My renewal has come up, and I have been quoted £400 fully comp, I have clean license of 25 years, never had an accident in my life except a puncture. And yet my sister has been driving less time than me has received a renewal of £300 despite taking sabbatical from driving for 2 years and had the odd accident which was not her fault. We both live in same post code and have sedate occupations, why the wild discrepancies in the quotes?

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Different cars? Different occupations? plus premiums are Increasing, £400 is cheap...£100 is not a "wild discrepancy" that is quite frankly nothing....you can find that within the range of quotes just on your own policy.
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