It's always a nuisance, especially as the underwriters tend to suddenly stop writing this kind of business for no obvious reason. Find yourself a good broker (

It's always a nuisance, especially as the underwriters tend to suddenly stop writing this kind of business for no obvious reason. Find yourself a good broker (not easy) and accept that they earn their fee. Ours twice in a row has hugely reduced our annual premiums for essentially unchanged cover AND switched us between providers when our last one suddenly stopped that line of business ... again!