Spent most of the day on the phone over this. Firstly to cancel my insurance which is DOUBLE this year. The reasons they gave was “well we’ve has a lot of subsidence claims this year” so I gave the usual “Is this being recorded?” “Good” “You’ve had no subsidence claims off me, in fact no claims at all over the decades I’ve been with you, so you’ve lost this £400 a year, I don’t expect anybody from 40 miles away to pay for any of my breakages, so I’m not paying for anyone else’s!”

Found a company (Urban jungle) for £6 a month and suits my needs perfectly. Took 2 minutes AND they have a phone number to actually talk to a person. Win win. (Amazing how few proper contact companies there are now. All bots answering the questions you never wanted to ask in the first place. I always have a different question which is why I PHONE!)