Once an insurance company arranges for repairs and underpinning they have a duty to ensure the work is carried out correctly. They have to continue to offer you insurance including further subsidence cover. If you try to change insurer after subsidence you will probably find that a new insurer will not cover you for subsidence. The fact is the original insurer might up the insurance premium, but if they commissioned a shoddy job and cracking reappears they are still liable to fix it (again), it was their work in the first place. It is not in an insurers interests to do a bad job repairing subsidence as they have to continue insuring you.. It's like health insurance if you have problem the insurer has to cover you for all ongoing costs related to that condition. Change insurers and it becomes a known problem and the new company can exclude the known problem.. You will most probably find you now HAVE to renew with the original insurer. In fact they will now look for any reason to Get out of it, they have to offer you to renew, don't be late in paying that renewal premium in time! If you wan to check this advice out try ringing round for better quotes and include the information about suspected or even actual subsidence!