I was over at the folks today for Sunday lunch and my dad mentioned something about their insurance that I hope somebody could advise on. They bought the very old house in the country a number of years ago and done it up, the place was half in ruins and the other half dilapidated. However due to the age of the house they are in a very high insurance band, the insurance company states that typically a house of the same age is filled with antiques, oak panelling, intricate plaster ceilings etc, etc. He has tried to explain to them that the house has none of them except for a few plastering examples they managed to restore and largely the house is done to modern standards. But they will not budge, the actuary tables states that due to the age they must be in that band in order to restore the non-existent oak, so the house is insured to way more than its market worth. Does anybody know of any insurance companies that are more flexible or a way to make his current one modify the policy?