Thanks. Yes, insurance companies are a law unto themselves. If another car hits you and is judged as completely at fault, with the payment coming from their side, your insurance can still subsequently rise when you come to renew as you’ve been in an accident and are therefore regarded as a higher risk in their algorithms. That’s a very imperfect system!Just try the comparison sites.
There's very little rhyme or reason to insurance companies.
My mate lives about a mile away from me. We have two bikes each that are almost identical.
Similar ages. He pays nearly double me for one bike, and I pay nearly double him on the other!
Crazy.