Just to revive this thread for a bit .... the renewal for my Pug 205 came in a couple of weeks ago. I'm lucky to live in a cheap area, and I claim an annual mileage of <3K with full NCD, but it jumped from £168 to £198, which I felt was excessive. I went on 2 or 3 comparison sites and could only find one or two better, including £10 less with the same insurer.

So just for interest I looked at D** L** (who claim not to be included in comparison sites) - they would give me the same cover for £2 less than I paid last year.

So how much are the comparison-site quotes inflated by, or is it just a loss-leader to attract a new customer?

70, + SWMBO - Full NCB £180 Esure - been with them 15 years

Every year they increase the premium. I trawl the internet & ask them to match a quote by Aviva, Privilege etc etc (a known name)

62 Reg Honda CRV 2.0 EX Auto, less than 10K miles & £100 voluntary excess

They seem efficient at taking payments but as I have never claimed I do not know how good / bad their claim service is.

There is always a niche you can fit in, being a lorry driver i use Cornmarket (will also cover PSV and IAM) who always meet or beat the lowest quote out there, and are great to deal with...i've contacted them today as it happens as i may be buying another vehicle tomorrow, as usual couldn't be more helpful...my 2 car's quotes from them this year were lower than i could find anywhere.

SWMBO uses SAGA who have proved very helpful, only minor rises.

I think you have to be careful not to claim for anything so making yourself a good bet, touching wood here, i don't even claim for glass because if you use local companies who don't spend a small country's gross national product on advertising you might be amazed just how cheap screens are.

If you live in the country you might find NFU around the same price as others and you really will not find a better insurer anywhere, it might be worth checking owners forums for your own marque too...look around.