Yeah but I feel constantly shafted Efficacy and Liability October, Fleet January, office buildings and contents February, Home insurance March, Personal vehicle insurance June. Then there is all the travel insurance when I go either on Holiday or to China on business. Ive not made a claim in years and years full ncb on the car never made a home claim, the fleet insurance is probably the only thing Ive had to claim on in the last 10 years.