Read an article recently as to why UK insurance is more expensive than Ireland or Feance (2 EU) allegedly similar road usage to UK.
The biggest difference is that the UK use these (4th Dimension) 3rd party companies to handle the claims.
Apparently France ans Ireland insurers do all this themselves, as the UK used to do.
So you end up with the system as described above.
Have to say I had a no fault accident and 4th D were involved and it went OK. A loan bike was supplied and it was described as a "courtesy bike", now I think it may have been a hire bike. Only had it a week before mine was sorted. And no charges to me.