It’s a situation we’ve all found ourselves in before. You’re on a crowded train going home from work, or browsing the supermarket aisle, or juggling the shopping as you wrench open the front door. Suddenly, your phone rings. It’s an unknown caller but you immediately imagine the worst or most urgent message this stranger might have for you. It could be your boss calling to fire you, there could be a family emergency, or your bank could be calling because you missed your credit card payment … again. So you answer the call. “Hello, I’d like to ask whether you’re happy with your current insurance provider,” the mystery caller says.