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Its become apparent that's how insurers make prices "competitive", it seems the best way forward is to avoid a claim at all costs... no-one has the time to deal with a dispute. My broker sneakily increases his "brokerage fee" by $100 each year, he's still the cheapest but I wouldn't trust him as...

ahahahaa, I just checked an insurance renewal for my trailer. They got me down as using it once a month or less.... It's definately not something I nominated. It was a real pita to get the trailer insured, for such a simple item it was surprisingly difficult (most weren't interested). I think...