Insurance renewal questions.

Just received my insurance renewal which, whilst the initial cost is down from last year they have made changes I do not approve of!
They have changed my voluntary excess to £100 (previously 0)
And (this bugs me the most) they are charging a renewal arrangement fee of £20 !

What I want to know is, can I cancel this policy then take a new one with the same company, which is coming up cheaper on their site?

[Red ones]

Phone them and ask for their best price. Commission, arrangement fees etc are discretionary.

id ring them if your getting cheaper quotes, i think they would match it no problem

Rang this morning, told them I was not happy with the changes they had made to the policy and that I was getting a cheaper quote from them via the internet.
Long story short, old policy will lapse, new one via internet will start on renewal date!
Saved over £40 for the year and now I can fit the exhaust I have been waiting to fit too!

I think they make insurance quotes up as they go along, I have found on average my renewal quotes are more expensive that starting a new policy.

For instance car renewal came in at £800, which was £100 more than my previous year. I have 8 years no claims, 3 points in 2010 for sp30 and no accidents as well as moving to a better area. Did a quote online and with the same company got a quote for £450, Called them and got that quote instead.

My Bike insurance this year has roughly halved from £850 tpft to £430ish fully comp and that is with me declaring my accident as a fault accident as its still in progress and moving to a higher rated bike from a er6f to a street triple where as if I looked at a hornet or some such it drops to £300 ish. Makes very little sense to me at times.

Most insurance companies hope most people are too busy/forget to look around which is why most policies will auto-renew unless you call them and tell them not to near renewal date. If it does auto-renew then they charge a cancellation fee if the new policy has started. Thieving barstewards the lot of em.