Car insurer sent me a cheque for 50 pounds as claims were generally lower in the last year.
Bike insurance went down 180 pounds in February as my mileage is low.
The house cover was found on gocompare and give good cover although not an all risk cover. I insure just in case of a major incident and not claimed since 1988. I did use Churchill for a few years then the cost increased a lot. LV 3 years so far.