Have you made any claims in the past 5 years?

I'm not a happy boy. I received a letter from my home insurance company that said something along the lines of "Because you have dared to actually use the service you were paying for, we have decided you can go stuff yourself because we're not insuring you anymore".

And that presents a problem. Finding insurance is actually quite hard, because I have made 4 claims in 2 and a half years. Thing is though, these are not my fault. This was storm damage, water escape from my shower x2 (if it had been fixed properly in the first place that needn't have happened the second time), and the burglary. It's not like these are caused by my negligence or anything. If this was car insurance and I'd driven into 5 parked cars last year or something then fair enough. But this is just things that have happened to me - I didn't do anything to cause them.

So far I've found a total of 3 places that will insure me. Fortunately one of them is actually cheaper than I'm paying now anyway but I have a bit of a distrust for insurance policies that seem cheap... time to read the small print.

And, typically, the current insurance runs out whilst we are on holiday, so I have under a week to sort it all out.

And, of course, I daren't actually make any claims on my policy now for a couple of years unless my house actually explodes or something, because then I probably wouldn't find anyone to cover me at all. So even if something does happen I'm going to have to pay to fix it myself.

Wonderful.