Is increasing the remaining amount for car insurance by 10% when paying in installments, which is more financially convenient, considered usury (riba) and forbidden?

If the insurance is commercial, then it is not permissible to deal with it optionally, whether in the manner mentioned or otherwise, unless it is compulsory and there is no Islamic (cooperative) insurance available in the country. However, if the insurance is cooperative, it is not permissible to obligate the client to pay an increase for late payment. Nevertheless, it is permissible to increase the value of the insurance at the beginning of the contract if payment is made in installments, without the condition of an increase for late payment.