Even by the somewhat relaxed 'standards' of their industry, my bike insurers have gone off the deep end this year ...
Year 1 (no NCB) was £186
Year 2 (1yr NCB) was £148
Year 3 renewal quote (2yr NCB) is ..............£271
So a quick blast of moneysupermarket got a rather more competitive (!) quote for identical cover (but actually with half the excess) of .........£112
So I accepted the quote & paid the broker - and it then turned out that the actual policy is with the same underwriter who had quoted the £271 for renewal ...
usual thing is to get a better quote then ring the original people up and invite them to improve it.
Wouldn't have been any help in this case, obviously. But in the past few years I have got used to ringing up insurers, AA etc, saying "Give me a better quote or I shoot the puppy".
They seem to be getting more cunning - it now seems to be a regular ploy for 'year 2' to be competitive and the real bite to come in 'year3' when they hope you've relaxed your guard.