you cannot just increase the customer who has claim, because that will make the one who suffer a loss un-insurable, consider a customer after flood loss £20,000 (insurer payout), you home insurance premium after commission to broker market rate 25% - 30%. Insurance company will only make £150 per policy(that doesn't include any other loss in the future), you basically telling the insurer accept a loss making business. No insurer will do that, and those house who in the flood area will be uninsurable and which cause the mid-land housing market to collapse, as bank will not mortgage to those uninsurable house.
