Loyalty is not a criteria for competitive premiums.

I've been a longstanding client for more than 13 years with business and personal cover with Outsurance. I expected when I added a motorbike, just a newer model of what I currently have, they quoted me 4 x more on a premium, even more that my other vehicle that costed 4 x the mbike value. I tried to explain it doesn't make sense, the agent rambled a scripted response. I requested a quote from a competitor and they offered a 3rd of the quoted value - which I happily accepted. Howcome would Outsurance jeopardize a longstanding client by doing this? I have given my financial broker instruction to get competitive quotes for all my Outsurance policies. I will gladly accept if even marginally cheaper. The lesson learned is that clients should be wary not to become complacent to one insurer such as Outsurance. Loyalty is not a criteria for competitive premiums for them. So why be loyal?