Sorry about that aside in my last reply to you, but I think personally, with a lot of Insurance Companies being swallowed up by big Multi-National companies, they can more or less set thier own terms and conditions of them insuring you, if they choose to.
This privilege also means, that they also set a Premium that suits THEM, not the end user.
Sooner or later, there will be little competition in Insurance and I reckon that there will be 2 or 3 very large companies, controlling the world of Insurance.
But Lyle 500%, is a little difficult to justify, however, it's like daylight robbery, because PLI, is something you must have.
Let's face it, these days if you're not young, you're old - Red Green