If you make a claim, you get dropped. If you don't make a claim, you get dropped because they think you're going to.

Whoa! Hold on a sec ... they even don't inform you that your contract will expire in some time? I mean to me this makes no logic, don't they not want you to remain as customer?

It blows the mind, there's only a few insurance company's down here and very little competition for your business. If the computer tells them to drop you, they drop you.