Like many here, I have been subject to similar abuse by my insurer.
It has little to do with calculation of risk.
A group of suited individuals (Let's call them scammers) have gathered in an office.
The conversation has been along the lines ....
- - - We've seen what the gas, electricity and fuel scammers have got away with ...
It's our turn now !
This is the story of our dysfunctional, parasitic society.