I had an example of it today, my renewal notice from Churchill for our house and contents insurance includes a 20% premium increase. We've been with them for five years. Each year, I've had to phone them to get the premium reduced, as they do try it on. I end up paying slightly more than last year but not as much as they originally quoted. So few people question it, they get away with it and do it every year. But not any more, I've gone with Hastings Direct as I did for my car insurance. I phoned Churchill (took 15 minutes to get through) and explained my dissatisfaction with the quote. The young lady on the other end of the line started to go through the, "let's check to see what we can do..." I interrupted and politely said, "No disrespect, thanks all the same, but I'm not playing those games any more, I've gone with another company, so please just cancel the automatic renewal." A bit of a stunned silence, but then she said she understood my motives and we parted on friendly terms.