“Efficient, but it’s not the first purchase that matters, it’s next year, I bought More than last year, this year they put their prices up by 14.7% so I didn’t go with them even Esure feels expensive for someone who has never had a house contents or buildings insurance claim, one would expect a fair discount, it’s getting to the point of saying “ never had a claim am I likely at my age to need to claim? Maybe £230 can be better spent? Mmmm we will see next year when Esure put up their rate by 10-15%..”