Hi, Car is up for renewal, never had a claim, no offences other than minor speed camera, every year the premium is increased, yet I go on their site for quote (they ob play the game I won't) and it's cheaper than the renewal, even though renewal has loyalty discount, and have other policies with them, whilst I know I can call and haggle I feel we shouldn't have to... We research/compare landlord insurance, do the same for other, they all have their own T&C's, long fine print pdf's to frustratingly troll through. Very time consuming comparing individual online quotes, those that compare many want contact details so they can call/harass. Researching forums some have poor reputations incl customer service, long claim times, not prefered repairer etc, one person praises them, the next bags them... Obviously it comes down to vehicle, location, age, previous experience etc.. However for the more knowledgeable in this area (perhaps legal minded, brokers etc) I'm more interested in reputable companies who value customers long-term loyalty rather than treating them like suckers. Appreciate any opinions.