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I work for a major insurer. Much of my industry is fudging the numbers in the face of the climate crisis
(www.theguardian.com)
Discussion of climate, how it is changing, activism around that, the politics, and the energy systems change we need in order to stabilize things.
As a starting point, the burning of fossil fuels, and to a lesser extent deforestation and release of methane are responsible for the warming in recent decades:

How much each change to the atmosphere has warmed the world:

Recommended actions to cut greenhouse gas emissions in the near future:

Anti-science, inactivism, and unsupported conspiracy theories are not ok here.
You usually can’t claim on both policies at the same time. I think for car insurance there’s nothing against having multiple policies on the same car, but if you claim on all of them for the same incident, it’s classed as fraud
I'm thinking, that if the companies are miss-evaluating the risk and underpricing, they may not be able to payout fully, or possibly at all in the event of a climate disaster. And since they're underpricing the risk already, then the cost of two policies may be more in line with the actual risk.
Car insurance is a bit different.