Amazingly after getting a various comparisons quote on the E on Martin Lewis' 23 day optimum deadline, my auto renewal from Flow came in at £350...... £70 cheaper!!
Flow is the low cost version of LV - same company as other lowest quote, the only phone line is for claims, otherwise you email or message for usual business. LV has a bit more customer service for the extra cost. I fail to see how lower administration costs lead to that difference for each customer
The younger clean record second driver on the LV quote saved £20 on the premium, the exact same second driver on the Flow policy would have been £120 extra!
No logic to be seen.