JH, I totally agree with you, however, it's a different world here, first off, there is the language problem, the words we use concerning insurance may as well be from Mars. Secondly, the value of insurance we request is "off the scale" compared to what they normally arrange, our bank suggested the maximum contents value should be 19,000 lira. We don't live in a palace but that amount wouldn't replace the soft furnishings and curtains. Where we could use "Go Compare" and got a tailor made quote in minutes, it took us all day today. Head office needs the value of this, that, the other, parents names, tax numbers, Kimlik numbers, questions about your newly renewed DASK. It seems never ending.