I have pre-conditions (being excessively and dangerously funny is one) and I got a great deal from American Express. So much so that (much against the grain for me) when the auto renewal letter comes through I just pay it - it's always the same or just a few pounds more than last year.
This topic has made me think though - it's all about the cover when you need it and you certainly can't beat the service provided to Colwyn in his time of need.