Given the potential for enormous banking catastrophe, and huge crop prices, I would be considering ways of making any overdraft vastly smaller, or swapping it for something that cannot be "called in". The poop hasnt even got close to the fan yet. Bank runs in Spain - its not like cash in the bank is earning anything. Bad times ahead. Bad. Bad. Bad.
Now Tesla is not known for scaremongering and I have a horrible feeling he might be spot on here. I think my £10 bet that the banks will not be seeking another bailout before next February is safe, and if they need more cash then the borrowers whose loans can be called in will be the frirst to suffer.
In the UK I began using an insurance broker I knew in 1962 (they do the shopping around) and I have continued to use the same small firm whenever I have had a need to insure anything in the UK. It was not common to be insured with the same company in consecutive years. Either use a broker or get alternative quotes yourself - your original company will find ways of reducing the premiums if they know you are looking elsewhere.
It is a hassle to change banks, bu I am on my fourth in 9 years in Portugal, the first went because of excess charges - emptied an almost inactive account with €115 in it with two half year charges; the second because of a failure to make any decision on a temporary facility for a new business venture (soap making from excess olive oil) and the third, Barclays, because they were not honest with me. I was assured there would be no charges on a current account if there was a positive balance in it. After a few months they began to slap on a €20 monthly charge - without prior notification.