Insurance companies are competting to charge us more.   The average homes' insurance policy already cost 36% more this year than last, before storms Babet, Ciaran and Debi damaged thousands of homes  causing half a billion pounds worth of damage.   And then came the even more powerful  Henk.
While the insurance  companies will find reasons to increase our premiums we all need to make sure we do enough research to stop us being massively overcharged.
For two years the companies have been under instructions from the Financial Conduct Authority to treat existing customers fairly, and not to  charge them more than new customers.
There is lots of evidence that they are not managing to do so yet.   This means that when your policy is due for renewal you need to make sure you are not overcharged.   Start your research early and never allow the company to auto renew.
Just as important: do not accept their "easy terms."   Making monthly instalments can add 40% to the cost of the policy.
Do not leave renewal to the last days of your existing policy.  The earlier you commit the cheaper the policy is likely to be.  Twenty-three days before the policy expires is the sweet spot.
Mrs Mean wants you to be in control of the process and to pay less.

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