I believe they do a drivers abtract and other checks before a renewal just to keep things up to date... Like accident claims during the previous year or speeding tickets that they aren't aware of.
e.g.
You have two motorcycles and each with its own insurance co. Motorcycle #1 makes a claim but you dont tell the company insuring #2 so they will never know about it until they do a check.
At least thats my opinion as i'm not sure if insurance companies share information.
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