Yes I hear that, but don't you think its still a con, what about all the years where there have been no natural disasters and therefore not as many claims, they are making shed loads of money, so in truth the insurance companies are most likely still in the green, but not as much.
And yes ive heard that about women getting lower premiums will be illegal next December, im glad because its sexist, but I can just imagine, we wont see a drop, the women will see a rise to our level so they can make more money, after all, if we have spare money the government will find a way to get it from us.