Ms Linda Murray:

On that point, which we have not brought up in this discussion, I am unusual and lucky that I know I cannot get insurance. One does not get told until about 24 to 48 hours before one's premium is due what will be the premium. They do not even allow someone to try to shop around, even though there is not any shopping around to do. One is told they cannot look at one's new insurance premium until four weeks before the due date but I have yet to come across anybody who has been told what their premium will be at least a week before.

To take up Mr. McDonnell's point that that would not happen in someone's home, my daughter is four but last year when she was three she was invited to a play date in a house. We were delighted to go but the day before we went a disclaimer came through on WhatsApp to say that if anything happens in the house the owners will not take responsibility. I said it was laughable. That is the society in which we live.