Insurers tend to abuse loyal customers and new customers get all the best deals. The take away message is don't be afraid to move companies if they are not treating you well. It has never been easier to move to new insurers, energy suppliers and banks.
I had been with AA for a few years and was not happy with last years renewal quote so I moved companies and got over £100 cheaper like for like cover. I always let the company know why I am leaving - maybe it will do other customers some good.
Couldn't agree more.
One thing I have noticed when you cancel an insurance now, companies used to give you a load of flannel about going to a cheaper company, not paying out, inferior insurance benefits, blah blah blah, but nowadays they don't bat an eyelid.
Put your details into a couple of comparison sites, you only have to do it once and then they remember you the next year. Use them every year, then ring your current insurer and get them to match the best price. Most will, a few companies have less flexibility - if they can't, move. Personally, if I do end up swapping to another company, I try to avoid anything to do with BISL (Budget Insurance) - too many horror stories, and they insist on auto-renewal.