Deleted - repost in other forum

moneyistooshorttomention

Personally, I would still want to know I was going to be unable to "shop around" for insurance cover or stay with my own insurer I already have and, if I was restricted to one insurer on my house, then I would tell people at the outset before they had made an offer "You can only have insurer y".

Those who go into the 50 plus agegroup know we can probably get cheaper insurance because of this and expect to be able to swop. Also it often proves necessary to query an insurance bill that has been put up the following year by more than inflation. I've had to do so twice and each time my insurance company has "rolled back" on that and only added an inflation increase (instead of a "real" increase). If they had known I had no option but to stick with them I doubt very much they would have rejigged the quote to cut out any "real" price increase they wished to make.

It can cost people a three figure amount of money extra to have to have a specific insurance company, rather than the one they themselves have chosen. Chances are each year any new owner of the house will be choosing afresh which insurance company to have/finding out the quote level and then trying to persuade their chosen new company to take them on and then getting upset because they've been refused.