Loss Claims Ratio
An Insurer can cancel your policy if you pose a great risk to them. Meaning they constantly pay you more in claims than what they get in premiums, when Claims exceeds premiums. Discuss with your Broker how to work out a claims ratio. If you often claim from your Insurer you becomes a high risk to them. If you claimed a few times try to carry some smaller risk on your own to protect your claims history. Try to claim for bigger claims only if possible to protect your Insurable/feasible claims ratio.