“Too soon to rate - we've only just started the new home insurance policy...hopefully we'll never have to find out if the policy or Hastings is any good. We haven't made a claim in over 20 years but we buy a policy each year just in case a 'big' disaster happens. I sometimes wonder if the insurance industry are aware of the millions of us who wouldn't make a claim for routine/daily/low value losses and only want a policy for proper 'big' losses...like a house fire, or being burgled, or major storm/flood damage. Would that be a product that they should offer - at say 25% less than current prices ??”