Insurances refuse to quote without credit rating

I embarked today on a simple thing like challenging my current insurance premium. However both with Hippo and Hollard I found that they simply refuse to give a quotation without doing an ITC check. I have also been informed this is how all insurance companies do it.<br> Now in my mind they are not a credit provider, so first of all they should not even have access to ITC. They in any case do not pay-out of you haven't paid your installment!!!<br> Secondly if I request quotations from 5 insurance companies, my ITC scoring drops due to the amount of credit checks. Thus I am unable to check whether I can get cheaper insurance because it will affect my credit rating!!!<br> I dont know who put this system in place, but it is clearly *****ing money from customers because their options are limited.