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Reward the loyal and do it now No loyalty: Stick with your insurer for too long and it will take advantage of you by pushing up your premiums while luring in new customers with cheaper deals Loyalty has long counted for nothing in financial services.

It is a drum we have banged for a long time. Stick with your pandora nz radio insurer for too long and it will take advantage of you by pushing up your premiums while luring in new customers with cheaper deals. A number of insurers, led by Aviva, have now promised to stop discriminating against loyalty although I will not be convinced until their words are turned into actions. While the likes of Aviva boss Mark Wilson (who somehow manages to combine his demanding role with being a part time journalist) contemplate how to do something they should have been doing all along, I trust they will embrace protection insurance within this 'loyalty review'. As we highlight today, it is unacceptable that hundreds of thousands of people have longstanding cover that is no longer fit for purpose but no one has bothered to tell them it is. Lose a leg and you will not be covered (you need to lose both). Got cancer of the bladder? Tough, as the Macpherson brothers discovered (see above). It is about time the insurance industry found a way of updating existing policies on an ongoing basis so that all customers are treated fairly. At the very least, long standing customers should be offered the opportunity to update their cover, even if it means higher premiums. There must be a way forward on this. Any thoughts Mr Wilson? While Mark Wilson contemplates his insurance navel, anyone sent a renewal notice should at the very least challenge their provider on the price offered. A work colleague was recently called by British Gas to see if he was happy with the new premium quoted to renew his boiler cover. He wasn't and threatened to leave. The company suddenly pulled a 30 per cent loyalty discount out of its hat and now, rather than facing a 50 annual increase, he has cut the cover's cost by 170. What a gas. Whether it is fraudsters attempting to dupe you into handing over thousands of pounds to bogus holiday booking websites (an issue investigated by my colleague Sally Hamilton in recent weeks) or criminals tricking you into giving them your bank details under the pretext of a tax rebate coming your way, they are everywhere. They spare no one, including myself. Last week, I withdrew money from a NatWest cash machine opposite work in London's Kensington. As usual I checked the machine for anything suspicious and then ensured nobody was shoulder surfing me to get hold of my PIN. All my safety measures counted for nothing because crooks cloned my card. The result was that they then proceeded to withdraw (from China) five identical sums of 229.28 from my account. Although the withdrawals were processed, fraud busters at my bank Cater Allen soon picked up on the unusual transactions. Accepting that I was not on a flying visit to China, they reimbursed the 1,146.40 plus interest. So a big thank you to Cater Allen for digging me out of a financial fraud hole. Most of it is justified. But hats off to the 16 companies which have just put 1 million behind a campaign to get primary school children interested in money issues. The KickStart Money project will be delivered by financial education charity MyBnk and target 18,000 children in 100 schools. The 1 million may be small beer compared to the 35 million bonus pot that key employees of Aberdeen and Standard Life (both KickStart backers) will feast on once the companies complete their merger. But it's a sound start. Most watched Money videos The new Nissan Qashqai will be in the showrooms from next month Instant karma!: Thief stopped by lorry driver quick thinking Jaguar Land Rover teases the opening of its classic car tour Investing Show: Are stockmarkets too expensive? Is this the best car used advert ever? Vitara gets CGI treatment Rolls Royce showcases its bespoke capabilities in stylish car Unsettling digital safety advert will make you think twice online The world largest luxury car Machine in Singapore Footage showing the amazing evolution of the Porsche 911 Carrera Should you worry about the election and your investments? How should investors deal with the UK election result? Investing Show: John Redwood on whether Trump can deliver Sainsbury's to buy convenience rival Nisa in 130m deal,. Daily Briefing: Possible deal as Scottish Widows in line. Jaguar Land Rover jobs drive for engineers who can create. MARKETS LIVE: FTSE up as David Davis begins Brexit talks. ALEX BRUMMER: Hammond must be heard 'failure to secure. Private equity giant Blackstone backs UK property by. Brexit vote fuelled 146bn betting frenzy in City amongst. Co op Bank in 'advanced talks' with investors over. Women's retailer Bonmarch suffers 40% profits fall as. Britain's holiday rental market booms as the weak pound. MIDAS SHARE TIPS UPDATE: Vital signs are improving at. A surprise surcharge AFTER you have paid it's the. Roaming may now be 'free' when you're abroad but you. 'Brexit is a lose lose proposition, harmful both to. Sainsbury's to buy convenience rival Nisa in 130m deal,. North South divide opens up in buy to let market as study. Why am I being offered a much more measly deal to move my. We're in crisis, say firms as complete pandora bracelets EU workers shun UK: New. MOST READ MONEY PreviousDo you want to automatically post your MailOnline comments to your Facebook Timeline? Your comment will be posted to MailOnline as usual We will automatically post your comment and a link to the news story to your Facebook timeline at the same time it is posted on MailOnline. To do this we will link your MailOnline account with your Facebook account. We'll ask you to confirm this for your first post to Facebook.

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