[embee]

I usually go on all the usual comparison sites, compare/confused etc, and then check the cover/conditions to make sure there are no hidden nasties. I have business use but reasonably low mileage. Inevitably I end up with one of the well known names (RAC/AA/MoreThan/Aviva etc).

As the others say, I think they do tend to try it on a bit on the basis that quite a few people will simply renew anyway. Also it's quite common to get a quote online, then phone them and give the quote reference, and they come up with a lower figure than the online quote. That happened to me last car renewal with the RAC.

It might be worth speaking to a broker, sometimes they can get a good deal for you specifically.

As we all know, the insurance business is a complete mystery, but that's the way it is.