Car insurance renewal time came and I decided that I didn't need comprehensive insurance following my accident of earlier this year when my car was written off and I had to shell out £2,000 to get myself a decent set of replacement wheels. That decision saved me £120 for the year. They suggested that they might be able to help me with my home insurance too and, by jingo, they did: for better cover my broker has saved me 50% of my buildings and contents insurance. Welcome to modern rip off Britain where the unwary simply don't know that the deal that someone did is nowhere near the optimum. As I am now insured for everything with one company, I got a further £20 discount on the car insurance. Still, someone else will now take these savings from me for another and as yet unknowable reason since that's the way of the world! DW