Being of, shall we say, a slightly older generation, why is it that with almost all forms of insurance, it is almost guaranteed that you have to change to get a reasonable quote? When I was in my prime (longer ago than I want to admit!) it was always about trying to keep existing customers. Now it appears to count for nothing and whether it's car, home or any other form of insurance, you just know that every year you are going to have to change to get a decent quote. I still get quotes from Swinton (a broker!) that is hugely more expensive than I can get myself As an ex financial adviser (amongst other things!), I would be mortifed if a client of mine 'phoned me to say that they could get better rates than I could! I would really hate it! T thing the world went wrong when I wasn't looking!