Don't consider using standard bank insurance

I'm very disappointed with standard bank insurance, I was involved in an accident 2023 and after reviewing my yearly insurance policy they manage to decrease the policy , but this years 2024 I was told that I'm a high risk driver they won't be able to reduce my policy. I'm asking my self that even if it was not my fault to be involved on a car accident I'm consider as a risk driver.Becareful of Standard bank ****mers