In Lloyd Stewart's letter he quotes a Norwich Union advertisement as saying: "If we cannot beat your existing (household) premium we will give you £60" (Letters, 11 January).

Having had an extremely attractive premium from Liverpool & Victoria for my household cover, I was on to Norwich Union's website in a flash to get my £60.

To my disappointment, the actual wording was: "If we cannot beat your existing (household) premium we will give you £60 cash back when you switch to us."

Not quite the same, as I would have to pay a significantly higher premium to Norwich Union to renew with it, so that it could then give me £60 of my own money back.

I suppose this is a good example of where the likes of Mr Stewart should read the wordings of insurance products carefully, proving the old saying: "If it looks too good to be true, then it probably is."

Jonathan Ling, Finance director, Whitespace Software