Banks/Financial/Insurance once respected are nothing but legalised mafia full of corruption, greed and a law unto themselves.......
I had a 5% discount insurance voucher as a member of a certain club, went through the quotation process, only at the end did I mention I was entitled to the discount did they say they had already taken it into consideration - did they see me holding my voucher down the telephone line?
Two years ago someone reversed into the side my car causing nearly a £1,000 damage - I was not in even in the car at the time. The person admitted fault and insurance details exchanged and I claimed from that person's insurance company. One is required to inform one's insurance company, even for no-blame accident. Despite being not to blame, insurance companies may put up the next renewal cost - not well known fact, only learned about through this experience.
All he best...