It doesn't surprise me. I should point out I have a rather low opinion of insurance in general.
Rant On
I think people forget insurers are there to make money, and if they can reduce thier risks and still rack in the same high premiums, they will.
I can see the day comming when your genetic make-up will be required before you can get insurance. If were willing to let the insurance companies make there side as risk free as possible, then I think we should ask ourselves some tough questions on what we want out of life, and how much were willing to pay for it. Whats the point of paying premiums if the chances of "it" happening are miniscule.
Life about taking risks, not lining your insurances brokers pockets by buying policies that are stacked so much in thier favour as to make them worthless.
Rant Off
Having said all that I do have insurance, and I do realise its a necessity for some people. I just feel I'm being conned!