Wow...you have expensive insurances...I though that I can expensive insurance... 1400€ ...that includes everything...except earthqauke, UFOs and floods...but still
That insurance expensive if you compare to other insurances. Basic insurance with full bonuses (after 14 years without accidents you have full bonuses) then you will pay, depents from the car, about 250€-400€/year.
Then you add all other insurances what I have theft, fire etc...