It seems to be more and more difficult to change or stay these days.
The list of questions being asked gets longer and more intrusive every day and yet I still have 14 years no claims bonus, is it not a hint? Instead of making a counter to the competitive offer I had got they tried to pair back service by dropping the mileage on each car and the house policies instead of match it. No doubt if something happened and I was 1 mile over they would invalidate it and avoid a pay out.
I think loyalty has been replaced by qualification (of us) and marketing programs.