i just got a call from the insurance broker that i deal with on my house insurance. apparently i have had no cover since last december. i agree this is no one's fault except my own and the person in the insurance brokers office said that they sent me a letter..... this doesnt bother me as luckily i have had no reason to make a claim (hopefully the house will be still standing when i go home from work this evening!!). she then told me that i have to pay €448 and i asked will that cover from today and she said no it would be backdated to december 2007. i am not being cheap here but if i was not covered i am not paying for the insurance and i want a policy from todays date. I couldnt get this through to the girl in the office. i know her boss personally, thats why i deal with them and he is to call me back. if i didnt know him i would just get house cover somewhere else. does anyone have an opinion on this?