Although I have insured my contents for many years I was tempted last year to take out a 'one-off cash incentive policy' with another company! Immediately on doing this I regretted it, not because I've ever made a claim, but I felt it was disloyal to leave a company that had kept my premiums low for many years. Anyway, this year I tentatively approached More Than to take out my next year's policy -- thinking that my premium would be much higher than previously -- but was surprised that the premium was much the same! It was a simple task to take out the policy. I will continue with More Than in future years.