I never get any decent quotes from LV. They always want me to pay over £1000 for my car insurance. Maybe I don't fit their preferred customer profile.

I shop around every year and the difference between highest and lowest can be 3x - that's for the same cover, excess, etc.

It's clear that insurers have certain profiles they go for and if you don't fit their profile then they quote high.

My insurance is up next month so I expect to start receiving letters from all and sundry from Monday onwards.

Well done LV.

Speaking of NFU as above, despite years of good, nay exemplary service, we have finally insured both cars elsewhere, their renewal premiums now simply too much for me and i'm now paying less than half with reputable companies.

Notwithstanding cost, better customer service and claims handling in my limited experience i have never known, local offices staffed by competent polite and friendly staff...just too much for my pocket.

I'm at a loss though to know why companies like this don't profile their existing customers better when calculating renewals, customers who rarely claim and mitigate their losses as much as possible if the worse happens must be worth dozens of claimsRus types, but then i'm not in insurance, still seems odd.

I'm with the NFU for all my insurance. I find them very good, they come out well with Which magazine, as do LV.

However you have to beat them down with their quotes. I ring my local office 5 miles away, staffed with British people and give them a bit of grief about moving, they soon lower the quote.

They will take the money if you keep quiet, it's up to you to get them down.

I know they should look after old customers, but most firms try it on. My annual travel insurance went up from £75 to £264 with ETA, so I changed.

Well it's always worth a try. Interesting to see that now I have bought a totally different type of car, insurance companies that previously didn't want my custom are now much more competitively priced. I was disappointed a few years back to see no decrease when I changed my title from Mrs to Dr either .....boohoo!