Then phone up the cheapest to get an even better deal!
"Amateur levels are for 'get in there and try' Pro levels are for 'get in there and do' A 'balls before brains' attitude to Professional MMA is only going to end in tears" Mr A Chatfield
The claim will go against you til the insurance company has recovered costs. If that's the reason for the increase in price, then they should lower the premium & return some of the monies when everything is settled.
You can't put a limit on anything. The more you dream, the farther you get