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Whenever your insurance policy is renewed and premium due is paid , the insurance company is obliged to pay you for all claims , but upon renewal of your policy the insurance company may increase the premium rate as will as deductible or ( policy excess ) .
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Not possible, insurance companies use the same database and linked through the VIN on your car. If you actually succeed in having multiple insurance policies on your car, then you will not be covered under any policy due to misinformation and fraudulent claims. However, you can insure different values of your car, for instance the first 10,000 then the rest of the value, but it's not popular in MENA.
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