"their profits are at record levels that means the risk is unchanged otherwise their profits would not be up so much due to using climate goons as an excuse to raise premiums.". ....... so you would prefer communism nip?
we live in a capitalist world. if you don't understand the need for profit-motive in the insurance industry you must surely be hankering to move to a communist country where profits are banned and govt is in charge of paying out to families who've lost everything in a flood or fire.
