For some unknown reason my insurance premium has jumped from the already expensive £296, (Its £150-£200 elsewhere, its only a small semi-detached) to £348, I've made no claims and my circumstances have not changed. I originally chose JL for their customer service and the fact they don't require inane levels of detail about what you need to be covered, does it really matter what type of lock you have on an upstairs window? I also assumed for the extra money, if the worst should happen and my house burned down after being struck by lighting or some such, I'd avoid all the horror stories you hear of being refused a claim due to not having declared you have a cat or something completely unrelated. I just cannot justify spending more and they are completely unwilling to budge without putting my excess up hundreds of pounds, the customer service rep was very polite and apologetic but simply blank refused to reduce my quote, saying to ring back later closer to my renewal no doubt hoping I'll just forget and auto-renew