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There is a wilful misunderstanding of how motor premiums work by a lot of comments on here.
Yes you can obtain better deals if you shop around or threaten to leave, but that's the same whether it's insurance, broadband, gas and electricity, mobile phones or any other long term consumption based around yearly renewals or contracts.
Corporations price their products around consumer behaviour, and because motor insurance is one of the most price sensitive markets there is, the only option for insurers is to try and make money off the decreasing minority who never switch, while offering good value deals to new customers.
I am on the fence whether the whiplash reforms, in their current guise, is justified, as I am also a law graduate and understand why the tort of negligence was developed. But being a forum for lawyers, whether aspiring or currently practising, I would hope we'd stick to the well founded legal arguments rather than spurious sales and pricing based arguments.