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I used to get 4 or 5 cold calls a day, but my insistence that I hadn't had an accident/had a claim/etc seems to have reduced this to perhaps two a week.

I don't regard the cold callers as duplicitous or immoral, as anon at 11.58 seems to. Rather, they are deluded. The parcelling up and sale of personal information (mainly contact details) encouraged by the Data Protection Act, allied to human greed and the opportunities of mere chance, mean that the providers of means of redress have a bewildering list of possible subjects with little means of discriminating between them. Thus the cold calls.

And the alternative is ...? No cold calls? Approaches only to those who have been mis-sold or disadvantaged in some way by some process? And how are they to be found? The present system may not be perfect, but the structure of a perfect system (whatever that may mean) is not obvious either.