Just renewed with Carole Nash, they sent me a renewal quote through the post for £401, so I checked their on line quote and low and behold its only £322, an £80 saving.
When I asked the guy at the call centre, he justified the difference as staff costs and then and processed the renewal for me at the lower rate !
It pays to hunt around for your insurance and don't pay the renewal price that automatically comes through the post. Bunch of feckers