I have some health problems including diabetes, so I know that I am a greater risk than someone without such conditions. And as a rule I don't mind paying an extra pound or two..But what bugs me is when the insurance companies refuse to insure me even though my diabetes is well controlled and I have had no problems with it.

This means thatI am forced to go to a specialist insurer (in this case through diabetes uk) which in turn makes the premium higher than it would be if an everyday insurer were to insure me...