The cost of insurance claims has shot up in the past two years as cars are more expensive to buy (meaning payouts for write-offs are greater) and repair costs have got steeper due to the impact of Brexit on imported spares, which means insurance premiums have risen across the board. However, a doubling of your wife's premium and a 50% increase on yours sounds rather steep. We'd use a comparison site or speak to an independent broker to try and get a better deal with a different provider.