Out for profit

I can sympathise with M. Borg's "Insurance service" (June 19) which I would have entitled "disservice" rather than "service". Here's my recent experience of bad treatment by my "loyal" insurance company.

In 1999, I purchased a new car and insured it comprehensively, purposely requesting a drivers' age loading so that my children holding a driving licence but still under 21 could drive it. You can imagine the high premium requested (and paid).

Well, after three full years I received a letter stating that "we note that the policy covers drivers whose age is between 18 and 20" and "that renewal is being offered covering drivers whose age is 21 years".

It was all in vain to phone the company to explain that I still had another licensed son under 21 who may drive the car and that the provision was restricted to him and not to all and sundry who are under 21.

The insurance company ignored the whole three years in which I paid the high premiums without having any incidents or claims made.

Now that the premium is down (due to the no claims discount and to the car's depreciated value) I think my premium is no longer lucrative to the insurers so they have presented me with a Hobson's choice of accepting their condition or else...

Talk about loyalty! It appears that all the company seeks is the financial aspect of transactions, or to be more precise, big profits or nothing. Are there any readers who were similarly treated? I had to find new insurers.