I hate insurance companies just like most people. As far as I can see it's just legalised robbery, & premiums seem to increase more than inflation every year, even if you don't make any claims.
That is sickening...https://www.motorcyclenews.com/news/2025/march/trident-mcs-dudley-damaged-by-fire/
Seems he was recovering from a crash and forgot to renew his insurance policy