My insurnace is due for a renew in a month. My current one (3rd party + theft/fire) is a Ducati Insurnace via Ramasis co uk and based on ~14k gbp value and 2 years of no-claim comes out to about 1060 gbp, which is a lot. Is there anything cheaper (like half cheaper) that is available on the...

In I had a low side slide this weekend with about $2,000 damage and a $500 deductible with Foremost Insurance. Is it worth the rate increase from the insurance company after making a claim or just pay the repair cost in cash? I appreciate the feedback if people know which was is better to go...