LOL'ing here. Had a letter a few weeks ago for renewal, rang and complained as it's only £42 cheaper than last year. Offered me another £45 off so £87 cheaper than last year.

Still wasn't happy, rang around the usual, until got to Liverpool Victoria via Chris Knott. £450 F/C unlimited mileage bla bla, so, impressed with that so decide to try my current one to see what they say, wouldn't go any lower than £500. Online comparisons were 6-700. Even going direct to LV tripled it online.

Think online isn't good as it's based on a series of assumptions that bumps price up so best bet is to ring the best 3 online and I'm sure you get cheaper then.