Regarding 40 years of paying insurance and no claims: I don't really see what the problem is. If you went to another company, it's not like it would cost you more to get them insured again. The benefit was that if something had happened (and things DO happen when you least expect!) you would have been covered. If they decide one day that they don't want your money in exchange for the risk of insuring you, you haven't lost anything. And if that caused you to reevaluate your risk, then you should be thanking them. We should all do this for ourselves, but no one ever does.
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