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Until last year I had been insuring my car with the same company for 12 years. Every year they had come up with the exact coverage and benefits that I wanted at a price better than anyone else and I was a happy bunny. Then last years renewal from them came as a shock to the system - no change from my side, no accidents, same car as the previous year, so theft, no damage, no claims etc.. - it was suddenly £300 a year more. Needless to say I shopped around until I got a quote with almost the same cover and benefits for £10 less than the previous year's renewal (£310 less than the renewal quote from my regular insurer).
This year the same company, which has also been providing my house and business equipment insurance since 2006, sent me a shocking renewal notice. Again, no changes on my side, no floods (my house is on top of a hill), no subsidence, no local increase in crime, no claims, etc. but the premium was accelerated by nearly £400. They provided no explanation for this increase, so I switched to another company with exactly the same cover for the same price as I paid last year.