To be fair, in real terms house contents and building insurance has come down in price substantially, I know some people paying around £200 a year for the combined policies.
Its the mortgage protection (health/unemployment) that I have an issue with. I spent about 30 mins with a seller asking them to describe a circumstance where I could claim - the result was that if I got redundancy lump sum or ill health retirement lump sum I couldn't claim within at least the first 6 months (it was a cash handout from employer so classed as as income), but any claim could not be deferred more than 6 months, in other words it was useless to me. Hopefully the rules are better these days, that was a long time ago.
In a time of universal deceit - telling the truth is a revolutionary act. George Orwell
When the debate is lost, slander becomes the tool of the loser. Socrates