Follow the crowd. Compare prices on not one, but several different price comparison sites such as
prudentplus.com. When you have some quotations you can accept one of them (provided of course that's it's from a trusted insurer) or you can ring your current supplier and ask them to match, or beat, the best quote.
Remember that insurance margins have been squeezed. One way the insurers use to make up the shortfall is by pushing 'optional extras' such as courtesy cars, legal representation, personal accident cover. You may want these, and may consider the extra cost to be reasonable, but too often they represent poor value for money so best be aware of this. You should also be aware of 'special offers' at a lower price; the following year, at your next renewal, they will be charged at full price. You won't necessarily be made aware of the increase in price, either, since the law on disclosure is vague on the subject of discounts.
In short, you need to stop believing that insurers are a form of charitable institute with your best interests as their main concern. They are not: they are businesses with an obligation to make as much money as possible for their shareholders. Treat them accordingly.
Yes, I've done it myself, and saved hundreds of pounds as a result. Perhaps you can, too.
