Insurances can be done fairly though. Take car insurance (where I live); if you drive accident-free, no problem, you get a discount that grows every year (up to 70%, depending on the company). Get into an accident that wasn't your fault? No problem, the other party's insurance (which is mandatory) will pay. Get into an accident that was your fault (like I did :( ), your no-claim discount will drop because you f'd up.
My insurance doubled. This was a €900 bill though, so doing the maths, that's 9 years worth of no-claim discount (as in, I'd have to drive accident-free for 9 years with the same policy before I would earn the not-claiming-insurance back).
Of course, that's based on a motorcycle insurance, which is half as expensive as a car insurance; if I get a car insurance later, that discount (or lack thereof) will persist.
TL;DR: I have no problems with insurances becoming more expensive for people that make or get claims for things that were their fault.
My insurance doubled. This was a €900 bill though, so doing the maths, that's 9 years worth of no-claim discount (as in, I'd have to drive accident-free for 9 years with the same policy before I would earn the not-claiming-insurance back).
Of course, that's based on a motorcycle insurance, which is half as expensive as a car insurance; if I get a car insurance later, that discount (or lack thereof) will persist.
TL;DR: I have no problems with insurances becoming more expensive for people that make or get claims for things that were their fault.