Look before you file! Loyalty doesn't pay.

Not long ago, I received a letter from my house insurance providers, I am normally the kinda gal who just gives in a cursory look and files it away. However, for whatever reason, I decided to compare the quote they gave me to last year's. I was pretty surprised at what I discovered, they had increased it by nearly £10 a month so well over a £100 for the year. I couldn't understand why they would do that as as we haven't claimed on our insurance ever! So I gave them a call and this is more or less how the conversation went:

Them - How can I help you ths morning?
Me - hi, I received my renewal quote today and you have increased my premium by over a £100 a year. Why is that? I've never claimed.
Them - Lets take a look....we have reviewed all the postcodes and your postcode may have been reclassified as more risky.
Me - In what way? Nothing has changed in my area. In fact when I look at quotes on the comparison sites, they offer much cheaper quotes then yours, why don't they think I live in a risky area?
Them - Let me just speak to my supervisor........( a minute or two passes), yes we have reviewed your case and we can offer you the following deal...

The revised quote not only discarded the rise but also gave me a discount. An excellent result and a lesson learnt for me, but I also feel a little sad that loyalty really means nothing to a company except as a way to exploit. So take my advice don't treat them like friends, they won't do you any favours and always mention  comparison sites!

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