Thieves: same car, same guarantees but for the rep...

Thieves: same car, same guarantees but for the replacement of the policy due to a license plate change the premium increases by 23 ; how would you define them?
not to mention the fact that I have been with a blocked car for 2 days without an insurance pending the new policy
Who reimburses me for the inconvenience, lost time and 2 days of non-coverage?