Inertia means we are paying over the odds for our insurance

I live in a world of Post-it notes. Yellow ones, blue ones, orange ones. They are everywhere. One day someone is going to find my wizened body beneath a mountain of these infernal things. Death by Post-it note.

In a world where multi-tasking has become a full-time profession, the humble Post-it note is now an integral part of modern life. The company which makes them – 3M – amassed sales of $7.4 billion in the first quarter of 2016. The first quarter! (OK, they make other stuff but you see where I’m going with this).

The ubiquity of the Post-it note in my household is such that I’ve instigated a traffic level system for use. Yellow denotes a must-do task, blue means urgent, and orange points to something I have to tackle at some point before I die. Needless to say, shopping around for a new home insurance policy invariably ends up in the orange category.