Denied insurance

I contacted miway to have my car covered, they told me they will not risk to insure me since i had claim with them before. Is this how insurance companies should behave? what are we insured for? are we not insured to claim in case of accidents, if yes then why should it be a problem to get covered again by the same insurer. why cant they calculate my quote according to my risk profile rather than to decline me insurance. <br> <br>