Insurance premium increase more than once in a 12 month period

Had two premium increases in a space of a 12 month period.

In November 2021 my car insurance premium was increased by Discovery and this was well communicated, on 26 January 2022 Discovery insure decided to increase my insurance premium by 15.7%

Upon my query of the sudden increase, the insurer told me that they decided to increase premiums due to high volumes of claims they received from their clients in the past year as well as adverse weather conditions.

I found the above explanation was far fetched and did not make commercial sense because I have not claimed from Discovery for over 2 years and surely Discovery Insure should have a business model to forecast claim risk factors upon their yearly increase.

It is totally worrying to be with an insurer who can decide whenever that they will increase premiums, more than once in a year even.

I then asked that the insurer give me a lower quote of which they refused and said the increased insurance premium is the lowest premium they could give me.