Chasing the Ratings

Recently I renewed my annual motor insurance. As is sadly so often the case these days, this process required ditching my previous provider because they had hiked up the premium massively for no obvious reason; a few minutes online and I had a quote from someone else. This is not only more than £100 cheaper than the quote from my current provider, it was less than I had been charged last year. It would not surprise me if the same thing happens next year.

And that, you might be thinking, is surely that. One buys motor insurance, one puts the policies away (or in today's case, downloads the documents) and the matter is closed until the first frosts of next winter announce that the festive season of insurance renewals is with us once again. Alas, there is always a postscript. My old provider has cold-shouldered me and no doubt crossed me off their Christmas card list but the new one is keen to further our acquaintance. They have asked me to rate their product. Apparently this will help other customers.

I can go to a restaurant, eat an enjoyable meal and give them a high rating. I can buy an electrical product that fails to do what it claims to do and give it a low rating. But how on earth do I rate an insurance policy? We are not talking about how easy it was to chat to them over the phone because I did the whole business online. Nor about the key feature of any insurance policy - what happens when you make a claim. We are talking about how I rate the product itself and it doesn't even come into effect for another ten days.I am baffled as to how to proceed. Something sarcastic on the following lines perhaps?

A lovely little policy, although clause 14.b is rather obscure and I didn't like the sour notes emitted from clause 18.d(2), albeit that the exclusion of liability for acts of aliens from the Planet Tharg added a delightful touch of levity. My partner enjoyed the cover for the towing of caravans less than 35 cwt. The typeface used for the small print was well-chosen. I can definitely see this policy lasting the full twelve months.  4 stars