While going through the monthly exercise of shredding all the junk mail the banks, credit card and insurance companies pile through our letter boxes I find a letter from Tesco Insurance saying they have automatically renewed my home insurance. I need do no more!

The letter says:

My first thought was "I've been had", my second was, why did Tesco store my bank details for the year? My third thought was, look at the premium - £456.75. This is over two and a half times more expensive than the cheapest quote I had received for a comparable policy, from Swinton.

My fourth thought was, I'll never use these cowboys again, how can they get away with it - and try to pass it off as though they're doing me a favour and being done in the name of high standards?

What'll it be next? Will I find some of the staff in my living room opening a bottle of wine. "We decided to help ourselves, every little helps!"