Just to show why it's important to never just accept the renewal quote you're given...

My insurance is due for renewal and I'd been quoted £525 (last year I paid £495) and in the last couple of days I've been searching all the online sites and ringing round for quotes, and the cheapest I managed to find was £490. So I rang my insurer, Adrian Flux, to ask if that was the best deal they could get. I was on hold for ages and they came back and said yes, they couldn't go any lower. I then told them I wouldn't be renewing and they asked what was the best deal I could get. They then said they would have a word with someone else "just to check" £525 was the best deal. A few minutes later they were back and magically that £525 which had been the "lowest they could go" had suddenly reduced to £474.