Insurance Co decided how much I can pay

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I believe that Insurance companies are colluding together to determine what the individual can/should pay for insurance.

My insurance is up for renewal so i went to a very well known insurance company for an alternative quote and the insurance price changed from £100 to £140 when I enter my correct name.

So to confirm, I just put a Z in front of my surname and the quote came down £40. Any other surname the price was £40 different.

What else can this mean other than the insurance companies between them have determine the premium I will pay and when the computer has a match of an existing policy from a different insurer, this decision is already determined on what I will pay this year.

What can I do, someone has made the decision for me.

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