Well, as you may or may not know, tones had her bike nicked a few times last year, the freezer blew up then the garage got broken into and her bike was nicked again. From not having any claims in 5 years, we then have 4 in two years.
Our current insurance company then contact us and say we can't renew your insurance, as you've claimed 4 times in 2 years. I think 'WTF' then just go to another insurance company.
So, I'm ringing round for insurance, and oddly enough we can't get any. If you've had more than three claims in three years, most companies automatically won't touch you, regardless of what they are and how much it was. They're more than happy to advertise their crap on the telly and through your door, but if you've been the victim of crime a few times, then you're business isn't welcome. Its not as if we've had claims refused or anything like that, or claimed for the old TV-falling-down-the-stairs / paint-on-the-carpet routines.
I've done a lot of ringing around last week and we eventually found one company willing to give us some buildings + contents insurance, but they wanted over £700, so we've only got buildings at the minute. Even if we had contents and then made a claim, we wouldn't be able to as there's no way we'd get insurance for the next time. :(
You get insurance to prevent you from getting your stuff robbed, but then if it does get robbed you won't get insurance! Grrrr.