I can speak on this subject because it was my job a few years ago.
Although I'm French (nobody's perfect ? ) I can assure you that the watchword is to compare, compare and compare some more.
Each company has its own scoring and if your insurance premium is too high you have to change company because either your personal profile doesn't interest them or they don't like MG3's profile.
Don't listen to their falacious arguments and look elsewhere, and if you have to, like MG Clive, switch to online insurance