A little charade its always worth going through every year come insurance renewal time. The premium will have invariably gone up so give them a ring, say you've been quoted cheaper and ask for a discount. It has always worked for me and this year am especially pleased as Bennetts instantly knocked 20% off, making it cheaper than last year!! Imo this just proves that insurance companies are just 'trying it on' every year. (I always do the same for my car insurance ;-) )