Every company is different for every person due to location, whether it's garaged, etc, so no one company can really be recommended for someone else unfortunately.
It's very rare for me to stay with the same firm for probably 3 years, there always tends to be someone out there with a better deal.
I don't see why they should hike up costs if you haven't claimed, it means less aggro, less paperwork and everyone should be happy, but every now and then they'll just raise the prices enough for you to take your business completely away from them, so they lose out anyway, it makes no sense at all?
I was with one firm a couple of years ago and it was only until the deal was done I found out I couldn't take a passenger?
Why the fuck not, I've been riding 30 years?
It wasn't a major big deal but it just annoyed me as their excuse was "none of our policies cover for a pillion". So because it wasn't blatantly mentioned I was s'posed to guess?