the first thing i always do whenever i get any renewals is call the company and tell them that unless they drop the quote I will jump ship, they nearly always manage to find a new quote substantially reduced
eg Admiral for car renewal £282 phone call to leave quote £219
various property renewals landlords insurance with direct line were around £600, now all around £300
2 years ago direct Line to renew Porsche insurance £700+, one call later £472
best one of all, not mine but my brothers consultant surgeons insurance for the year £51,000.... couple of calls later £27,000 !!!!
these companies pray that people dont question the renewals and just blindly renew, its just legal theft really