I recently received my renewal notice for my home contents insurance from Norwich Union and noticed that PPI was included automatically if I paid by monthly direct debit, which I normally do. When I queried this with my broker, she obviously did not understand what I was asking; I pointed out that PPI should not be included automatically and that I had the right to be asked if I wanted it and to refuse it if I didn't. (I don't need it as my employer would pay me for up to 12 months if I was unable to work and having considerable savings I could pay the premium up front anyway if necessary.) Norwich Union then wrote to me to say that PPI comes as standard when policyholders pay by Direct Debit and that it is a benefit you get by paying monthly at no extra charge. I refuse to believe that they are not making a charge somewhere within the montly premium. However, as our insurance needs are not straightforward I found it impossible to get insurance with another company so am stuck with NU. Is what they are doing acceptable?

My renewal for our Home and contents insurance came up last month, we were using Virgin Money for our insurance as we had had a Virgin One account.
Virgin Money had repeatedly put up the premiums and I thought its time to change.
I was told by a friend to go to http://www.greasypalm.co.uk/r/?l=896293 and check out their home insurance offers.
My previous insurer "Virgin" wanted £312 to renew my policy, this gave £85,000 buildings and £35,000 contents.
Natwest were offering £70 cash back if you took out a policy with them through Greasy palm, I got a quote for £192 , this offered £210,00 buildings and £58,000 contents, I took out the policy and within 3 weeks had £70 cash back paid directly into my bank account and they offered interest free monthly payments as well!
Thats a saving of £190 for a far better policy with over double buildings cover!
My Policy ended up costing me £122 for the year!
http://www.greasypalm.co.uk/r/?l=896293 also offer the same deals on Car insurance, I saved over £180 insuring my car through their link.
If you currently have insurance with Virgin, or any other virgin product for that matter, I would urge you to change as they are now one of the most expensive providers of financial services and their customer service leaves a lot to be desired.

Be quick though as they change the offers every month, although I did note that the same offers keep comming up from different providers.

Ohh, by the way, if you just take out a basic contents insurance for £56 they still give you £70 cash back! thats FREE contents insurance and £14 in the bank, check it out!!! its true!