Good news your car insurance has just gone down.

My renewal came through from LV the other day. I thought happy days as it had dropped from 463 to 420. I thought i would check online however and exactly the same policy with LV for a new customer came up at 390!.

The same was true for our home and contents with another insurer, So much for customer loyalty!.

That said I have no complaints with LV .

Over the years, I've come to accept that insurers each "target" a certain profile of driver and quote reasonable premiums to them with massive premiums to everyone else but you can't rely on it staying that way as all of a sudden your premiums go up at renewal.

It's the same with business cover, good value if it's standard, expensive if it's extra - that's until you no longer need business cover then the insurers who charge extra for it are better.

Definitely. LV are not interested in my business or that of my husband; some companies want us, others don't.

I had to swap details when I bought the MX-5 last month, and Direct Line, with whom I have always insured my car and home, decided that they needed another £400 from me for swapping a Mazda 6 to a MX-5 (that would have take my insurance to over £900 - eek). I said no, they wouldn't budge despite my history with them, so bye bye. A company which has never previously given any decent quotes got my business instead (Sheila's - cue the 'well you have got a silly girly car now' comments from Mr B).