And then I thought I found my insurance home in King Price. Insure with us, they said, the only place where your premium drops, albeit by only a few rand every month. That's fantastic, I thought. Instead of my premiums going up every year they'll actually DROP EVERY MONTH. But they didn't say they wouldn't do away with the annual increase, which was about the normal 20%, so I still end up paying more. So now it's back to phoning around.