Car insurance serves as another example. Apart from its grossly excessive cost, how many of us have received notification from our insurance companies seven days before the expiry dates of our policies that our insurance payments are due within seven days? This gives one no opportunity to shop around. The entire insurance industry, not only car insurance companies, is operating as a cosy cartel. The companies decide on a price structure and there is absolutely no competition in the market. They have one over a barrel and should provide one with, say, a three week period within which one can shop around for a better price. Stand-alone legislation could be introduced to address this area of gross abuse.