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After 35 years, and no claims, CUMIS underwriting cancelled our home insurance policy. Their reason disclosed was that it is their prerogative to assess risk and yank a policy at their discretion. All requests to me for information and communication was adhered to. I was even reassured that paying for a year ahead was the way to go. Our circumstance was unique in that the house was vacated and being renovated for anticipated sale. Is this fair? How would you feel if your situation changed? Would you feel safe and reassured knowing CUMIS will cancel a policy within a month at their discretion? Go with another company who will at least discuss and consider your life challenges - and support you when you most need them.