Keep shopping around Jim mate. It's all you can do.

Liverpool & Victoria are usually quite competitive though

The AA are awful. I was with them for a year and payed just £620 TPFT at the age of 23 with 3 points and 1 fault. At the end of that years policy my points and accident no longer needed declaring and they then wanted £1600 TPFT and th eonly change in the details was th eupgrade from Cat 2 security to Cat 1. Oddly I didn't renew