We have used NIG for our business insurance for our Nail Salon for a number of years, (no claims ever made). However, last year, they introduced a flooding excess of £10k, which has now risen to £25k (Even though the Environment Agency rates the area that our business is located as low-risk. NIG (conveniently) regard the area as high risk!) Furthermore, the premium on our latest renewal proposal shows a 50% increase on last year. Needless to say, we will not be renewing with them.
Interesting to note that their apparent greed coincides with them having been taken over by Royal & Sun Alliance in 2023 - a company that also gets appalling reviews!