I had a very bad experience with LV, check the terms, ask them if charges are applied for changes and amendments. If you make ANY changes they charge you for interacting with their call centre (£~50 per engagement to amend the policy) and any changes mysteriously seem to bring a higher premium. They used to have a good reputation around my clan but times change. I do not single them out as the only one's doing that now.
At the end of the day it's a cut throat market and easy to compare on web sites without looking at the policy so people no longer look at the real coverage and service do they. They then provoke this by leaving you zero time to respond to the renewal.
You add to this the stupid renewal versus "we quoted you that price as a new customer introductory price for the first year" blather and the fact that many of the companies are actually fronts for the same parent and you can see it is really a bit of scam you need to spend time on to win against.
Comparethemerkat makes it all appear simple. We are training our future generations to be happy, fed, zombies.
