The reality is, insurance just keeps going up and whilst its incredibly frustrating as like me you think, another year older without an accident, points etc its "supposed" to get cheaper, there seems a myriad of theories why its getting more expensive, cars are more costly to repair, scams for personal injury claims, cars insurance ratings change etc etc
Personally I am a bit of a an old cynic and think its nothing more than they have you over a barrel, the low risk driver, no points or claims in a year should be rewarded imho, make the ones having the crashes burden the costs.