Insurance is a scam
If you have no accidents, your premium will probably (at best) stay the same as last year.
If you have an at-fault accident, you are a high risk so your premium will go up.
If you have a non-fault accident, your a high risk as you put your car/bike into a situation where it could be involved in an accident so your premium will go up.
Say you do only a few miles a year at renewal and you are high risk due to inexperience so your premium will go up
Say you do lots of miles a year and you are a high risk because your on the road too much so your premium will go up
Say you have no alarm/immobiliser and your not taking it seriously so your premium will go up
Have an alarm/immobiliser and you obviously have a vehicle thieves like so your premium will go up.
Have this as your only vehicle and they think you will be badgering them for a decent/quick repair if you claim so your premium will go up
Have other vehicles and you can obviously live without this one so your less likely to be careful with it so your premium will go up
Tell them its worth more than it really is, your premium will go up but they will only pay book value in a claim
Tell them its worth less than it is and your premium may not go up, but they will only pay the value you told them and not the book value in a claim
Basically tell them anything, or nothing, and the price will go up.
As for the RFL, scrap it and add it to fuel has always been my argument.
I have a van, a car and two motorbikes at the moment. I can only drive one at a time and most of the time they don't even get parked on the road so why should I pay RFL for all 4 for 365 days a year. Add x pense to each litre of fuel based on the average miles covered by the average mpg car and anyone that buys a gas guzzler will automatically pay more so the government gets the dirty cars off the road eventually. Use it once a month, you pay proportionally.