I am confused. I shopped for my insurance on confused.com as I am sure many other people have which is fine, I purchased a policy and I am sure confused.com or any other comparison site used got paid a Commision for delivering me as a customer to the insurer.

Did you know the maximum protection for personal belonging on any policy offered at my particular insurer (doesn’t really matter who it is for the purpose of this snoop) I was totally shocked to discover is £750.

The insurance agent told me mine was £250 after a recent theft and subsequent claim

I lost several thousand pounds worth of goods stolen from my car.

I submitted an insurance claim not thinking anything about it until my insurer called me this morning with the bad news.

It was a big shock but then the real shock happened.

The insurance agent asked me if I actually wanted the insurance company to send the £250 or and wait for it if I would prefer to forfeit the claim because of the potential negative impact at my renewal.

I know. I couldn’t believe it either.

I decided to take the £250.

The “added value” the insurance agent was able to offer, if at premium renewal the impact of me being robbed, being insured but not, if you get you my drift and taking the £250, cost me so much it was untenable, I could pay back the claim and maintain my insurance at the old premium without the claim.

I said so basically get insurance that doesn’t pay out anyway a bit cheaper. She said yes.

Is it maybe time for the government to look into forcing people to pay exorbitant amounts of money to insurance companies that don’t really provide much insurance.