OUTSURANCE UNJUSTIFIED PREMIUM INCREASE

Last year December my vehicle was involved in a collision which was not my fault and totally unavoidable. I lost my out bonus and had to pay my full excess in order to have my vehicle repaired to the condition it was in before the collision. The collision was as a result of the other driver being on his cell phone, not concentrating on the road and cars around him by turning left from the right hand lane where the slipway to turn left was already behind us. I recently received an email from Outsurance regarding a premium adjustment whereby my premium for my vehicle has increased by more than 25 percent less than 12 months after my claim which was paid January this year. My other vehicle premium on the same policy remained unchanged. THIS TELLS ME THAT ALTHOUGH THE COLLISION WAS NOT MY FAULT AND I LOST MY OUT BOUNS AND PAID MY EXCESS I AM STILL BEING PENALISED FURTHER FOR CLAIMING AND HAVING MY VEHICLE REPAIRED AFTER A COLLISION THAT WAS NOT MY FAULT AND UNAVOIDABLE. IT COMES DOWN TO OUTSURANCE BY HOOK OR BY ***** MAKING SURE THEY RECOVER THE COST TO REPAIR MY VEHICLE THAT THEY COULD NOT GET BACK FROM THE PERSON WHO CAUSED THE COLLISION. WHAT HAPPENED TO MY PREMIUMS PAID PRIOR TO MY CLAIM. ONE POINT IS VERY CLEAR!!!! OUTSURANCE WILL TAKE YOUR PREMIUM EVERY MONTH AND WHEN YOU CLAIM THEY WILL MAKE SURE THEY GET BACK WHAT THEY PAID AT WHATEVER MEANS THEY CAN IRRESPECTIVE OF WHO CAUSED THE DAMAGE. SHAME ON OUTSURANCE!!!!!!