[wraymond]

The problematic changes (for the customer) started a long time ago. Most of the big guys had roughly similar tariffs but there was a growing number of fringe start-ups usually as a group of ambitious financiers envious of the business levels achievable. Pile it high, sell it cheap? Ask Mr. S. Cohen of Tesco fame! I met him once, 5 feet of dynamite!

That provided the competitive opportunities and when the High Street brokers started to lose ground, with the advent of viciously competitive on-line small investment groups, the situation could only get worse. Those groups had very low costs - not necessary to have a High Street edifice with huge rates and rent to find.

On the bright side, it is beginning to even out a bit. The best option now is take your on-line quote/s to that High Street broker. Usually a good idea to introduce yourself, you usually get his name that way. Ask him to equal or better it. Tell him you are in the market for a change to common sense cover at a competitive premium. Oh, and suggest your household/holiday business could be up for grabs in return for a compet.....!

Your online quote will have many additional features you will never use and facilities you might not want - and who among us ever reads every paragraph?

Judicial snips of such fripperies usually produces results, especially when your new friend the broker gets his mits on your paperwork download.

If he just can't offer what you want, all is not lost. Send him a Christmas card next time with your renewal date. Fortune favours the brave.