-Ralph-

Try giving Express insurance a phone next time Phil. I haven't done a renewal with the Daytona yet, but I didn't pay much to upgrade from the SV/XT multi-bike, to the Daytona/XT multi-bike. I think I'm now paying in the region of £200.

You've only had your license a couple of years, and I will have 6 years no claims for this years renewal in May, but you are 4 or 5 years older than me, so you shouldn't be paying more than double. My insurance didn't change much when I moved away from Solihull, I think they dropped the premium by about a tenner.

I have always had the feeling that they were looking after me on the phone and trying their best to get the price I was looking for, and not just trying to screw me for every penny, especially since they always mention on the phone how long you have been a customer "oh, you've been renewing with us for 5 years, we should be able to get you a really good rate", and I have no loyalty when it comes to insurance, they have always just been the cheapest for me, and it's always been with Equity Red Star too.

I think the brokers look after the customers a bit better TBH. I don't really know how these things work behind the scenes, but I think they are just interested in getting you the best price, so they get a sale and their commission, not in bumping up the price of the actual premium as that is not being provided by them.