So I emailed them demanding to know what was going on. And so then I received some feedback from them this morning. They investigated our situation and found that since the last renewal, they changed underwriters and so she explained why the amount was then different. And just to prove that they sent out communication to us, she attached a scanned copy of the letter and schedule sent to us.
First of all the address was our old address just when we came to Auckland (the house that was leaking and filthy where we didn't stay very long). Just after we moved we phoned them to update our new address.
This letter was dated 1 April 2009 (that's right folks, that was 2 days ago) to inform us that they have decided to change underwriters. The letter then went on to say "You do not need to contact us to activate the change. This will occur automatically on 26 February 2009 at 12:00 a.m. At this time we do reserve the right to change the terms of your policy, upon adequate notification to you... If you decide this cover isn't right for you, you have 30 days from the date the cover changes, 26 March 2009 at 12:00 a.m. to advise us. Please fill out and sign the attached direct debit authority"
Anybody seen where we parked our time-machine?