It's an ongoing discussion, I'm sure a few people agree with you, I'm sure a few people do not. At the end of the day, we are a business, not a charity. We do not claim to be able to help every member and to be honest, we do not want to, eg, why would we want to insure an 18 year old on a TT Supra? It is an accident waiting to happen. Why would we insure in an area where the underwriters we use have consistently paid out double the amount they take in premium? In your line of business, would you operate at that sort of loss just to keep a customer base all happy? Shall I answer that for you? No you wouldn't.
If we 'adjust the premium accordingly' for high risks, we'll be laughed at for being uncompetitive. It's lose, lose for the insurer.
We'll continue to help everyone we can and thank those who give us a try and who we are unable to help.
Thanks for your feedback.
PS, you do not need to declare an insurer who politely refuses to offer a price as they are uncompetitive.