Anything involving insurance companies and "discounts" is bound to end up in a rip off! I can't wait 'till next year when I hit 50,my car insurance is ÂŁ500 a year I've never made a claim and it's just a rip off yet there are loads saying save 80% for drivers over 50,some chance,same with part P when it first came out they said all sorts had to be done by a part P electrician and have paperwork to state this yet nobody went around counting the fittings in every house did they?so long as you have an EICR if you sell the property then fine.Certificates are all well and good if they are done properly,we had our council house done earlier this year and no way was it done properly,it took about 30 minutes,he took off no fronts from anything didn't check the bonding in fact he did very little,despite clear evidence that alterations had been done since the last inspection.I am all for safety but things have to be done for reasons of safety not just as an excuse to make money or use as a get out clause.Insurance companies are well known for using any little thing to get out of not paying,for example did you know that if you fit alloy wheels to your vehicle and don't tell them then they can and will refuse to pay out in the event of a claim,It happened to someone I know.