Dear Pat,
I am sorry that you are upset at the increase but it was imposed on you by the Insurer not us and 3.5 % of that was the increase in Insurance Premium Tax.
We are never happy about this size of increase being imposed on our customers but sometimes there is nothing to be done, sometimes you can't move insurer and a reduction in cover is sometimes not an option.In your case we earn a flat commission and we had done quite a bit of work in the background on your renewal and for you last year.
If there is ever a problem with a valid claim then I assure you it is likely that our costs in fighting your corner will massively exceed any commission that we have earned on your policy. We make no charge for this.