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@fredtc
there was a cartoon in a newspaper about the annual call to your insurance company where they send you a ridiculous renewal quote, you threaten to leave, they pretend there's some special discount they can offer you that 'accidentally' wasn't included in the original quote and you come back to a price just above what you paid last year.
i then had an almost word for word replica of this call with my insurer 2 days after seeing the cartoon.
Insurance is a scam