Naughty but nice

Full house today for the lunching ladies and these went down well.  We started with vegetable soup (mainly all the odds and ends I found in the fridge and freezer) and cheesy bread. Wine was supped as well.
They didn't leave until 4pm, so much to discuss with all the recent government goings on.
Two of us discovered a big reduction in our house insurance.  Seems all house insurance has been reduced for contents and buildings, to help with the cost of living increase (according to Mr Google).   Very pleasant surprise, but does this mean they have been overcharging in the past?