Do Insurance companies encourage crime by penalising the victims with increased premiums?

I have recently been a victim of crime. I had my car keys stolen from my house whilst I was asleep, my car has since been recovered but has been written off. Even though I only owned the car for 1 month I'm not likely to receive enough back to replace the vehicle and also I've lost 2 years no claims bonus so my next insurance policy will be much greater. Is this the right way to treat victims of crime and by acting like this are the insurance companies actively encouraging crime to boost their profits?