>>>I've never even used half the annual premium in a year.
>>>On the other hand my late wife used the annual premium several times a year, so for the family it was a good choice.
>
>How much of your annual fire insurance did you use?
>
>Seems to me the best insurance year is the year in which you use nothing. If enough policyholders do that, premiums can fall.

But they never do.
Doesn't that strike you as odd?