After many years a cold caller catches you in a good mood, so you decide to humour them and get a competitor quote on your motor or household insurance policy. How does it make you feel, when you have been loyally paying your insurance premiums for several years, only to discover that you can get what seems to be an equivalent product at a significantly lower price?

Are you elated to be able to save some money going forward or are you upset about having paid more than you could have for the last few years?