I dread the renewal letter from the insurance company for my home insurance policy. It was £780 this time for home and contents.
So I rang around and looked on the internet. I kept getting higher quotes.
Moneysupermarket says today that some postcodes have seen particular painful increases. Dorking is up 46% since the beginning of last year.
Who knows what thefts or landslips have afflicted Dorking? The centre of Edinburgh and Milngavie, Glasgow, are up over 40% as well.
Hemel Hempstead is up 36%; Hull is up 29%.
Then I discovered that one phone call could take £100 off my home insurance quote.
I rang up my current provider and said: "This premium is just too much. It's up £200 on last year. Can't you reduce it somehow?"
And they did!
They found a "special discount", to keep me on board.
Many people would be incensed to discover that their insurer can afford to provide a much cheaper policy, but chooses to pull the wool over their eyes.
But the lesson is simple: just ask.