I took out £2000 of cover for £33 a month one year ago. Within 12 months British Insurance have lifted the premium twice to now £122 per month. They seem unstoppable, and have me over a barrel as if I take up insurance elsewhere I have a 90-120 day qualification period.

Couple of questions:

i) Do consumers have any rights to expect some degree of stability on premiums within a "fair-play" framework?

ii) British Insurance are still advertising on line lower rates for new joiners whilst doubling premiums for existing policyholders. Is this fair? (Again short of cancelling, joining again and going through a new qualification period I cannot access these rates).

iii) Is British Insurance typical of the Mortgage insurance market, or are there reputable firms that I could trust to play fair with me?

Any help gratefully received!