Sorry but I don't feel sorry for insurance companies at all.
Esp today when I have spoken to someone who got tapped up the rear end in a 2008 Corsa and the insurance company Cat C'd it,
my friend bought it back and got the bumper(only damage) repaired for £60. Try explaining that one and know they have a mark against
them which was in no way their fault.
I could go on and on but shall not.
We have to have it and we get ripped off by the companies all of the time and from what I read its going to happen again.
They are in the business of risk and that says it all.
I await for my renewal with an increase until I make the phone call and discuss the cost and if the usual happens the cost increase will somehow disappear.
And if it does go up I bet its by more than inflation or your pay rise.