Thank Heavens!
It's amazing how when it's time to pay the premiums those rates are non-negotiable and must be paid on time otherwise no coverage.
Then when disaster strikes and its time to collect my oh my, it's always a song and dance.
Then you suddenly are not even entitled to the amount you are insured for, must wait forever for their adjuster etc.
Sometimes I believe they don't have the money anyways and are busy collecting premiums from other persons still.
Let's hope Nagico can pay up with speed.