For many years I've insured cars (Ford Mondeos) through a leading insurance company. I reached the age of 70 last year and my annual quote increased by some 30 per cent, although it reduced a bit after my phone call. This year, my quote is up by 30 per cent, although again after a phone call it reduced to 18 per cent. Overall, since my 70th birthday last year, I am paying about 25 per cent more overall.

I'm told this is due to my age and that many underwriters drop out for over-70s. I'm a lowish mileage driver, with no problems. In fairness to the insurance company, they are in line with others and I will not be changing. Given all I read about longevity, and whilst accepting car insurance quotes are general rather than personal, this does nonetheless look like a bit of a rip-off by the insurance industry.