Well there are subsidence claims.. and then there are subsidence claims and admittedly ours wasn't a major claim. But even so - armed with technical reports, sign-off certificates.. all the ammo available, there would be other options out there. There's always somebody willing to undercut someone else to get your money. Insurers don't give you money off because you're a nice person and what the hell, they're in a good mood. They give you money off because they know there's a better offer somewhere else - and that if you were prepared to go all out and look for it - it would lead to then losing your business. They bank on you either not being bothered looking for it - or just not finding it for one reason or another. Moreover, if you've been with the same insurer for years, they've probably crept your premiums up on the sly over time. Familiarity - after all - breeds contempt. You called them on it and lo and behold they 'suddenly discovered' a discount which was available. It's like buying a car and the salesman going through the charade of 'talking to his boss to see what he can do'.