No, they don't ask too much to insure our cars - we bring it unto ourselves.
Our cars are cheap japanese cars that are easy to steal.
Compounded with the fact that 11tybillion dickheads own them and keep binning them into trees, bus shelters, etc, the premiums are high.
Compounded by the fact that a 18 year old is statistically proven to be more of a crash risk than a 35 year old, and these are the guys getting a hold of the cars.
Sorry to hear that you had the car nicked, but if you know that these cars are a high risk, the cost of insurance should be included in the purchase price.
If you don't have insurance, it's your own fault.