Mostly can't fault your points except
"Bang (went) generous claim handling and in came more and more efforts to get as much revenue as possible while keep relevant premiums down."
So what you maybe meant to say is that, going back many years the insurance companies used to take note of loyalty, but they (probably) don't now because of having to up their game?
I'm not trying to be smartt or picky but that's something I've really noticed with utility companies, in particular Virgin Media with whom I've had my TV and internet service for years - I won't go into the issues as they are too boring but they used to be really helpful and cooperative (i.e. accede to my maybe unreasonable requests) but now I feel like just I'm another Joe to them. WHich I always was but they are definitely more difficult to work with.
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