Insurers may be failing in their duty to offer fair value when 40% of motorists do not make a fuss over often big hikes

It is a familiar scene: you open the renewal letter from your insurer, and the quote is much higher than last year, even though nothing has changed. So you phone up and complain, and maybe suggest you will take your business elsewhere. Suddenly and miraculously, you are offered a much better price.

Most of us would chalk that down as a serious win – but what if you hadn’t called?

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