Outsurance is a ****

I have had a car insurance with Outsurance for the past 7 years or so. In those years I have claimed ONLY 3 times(3rd claim was for a windscreen), not hectic claims. Recently someone bumped into me and when I put on a claim Outsurance tells me if I proceed with the claim, I may possibly have my policy cancelled as the system has now flagged me as a multi-claimant which I do not understand. I pay insurance so that if anything happens to my car, it can be fixed. So then why the hell, am I paying for insurance if I cannot even claim and claiming you face a possibility of having reputation of having policy cancelled??? Also what constitutes a multi-claimant? If I had claimed more than five times and also hectic claims, I would understand but right now it does not make sense. Outsurance is turning out to be unreliable, a **** that sells customers dreams. They do not even deserve the 1 star quite honestly. None of the people I spoke to were helpful, all want is to for them to fix my car.