I really hope there are some effective changes in the worrying lottery of obtaining cover each year. I for one really do not look forward to dealing with this and it is always the same – having to worryingly hold out to the last minute to get a reasonable quote. For several weeks I am always quoted ridiculous premiums. I simply do not trust the system and do not appreciate being held to ransom by insurance companies I know nothing about.

Sean Crean, CoxCrean Law, Poole