I just got a renewal quote 10% up on last year. This seems a bit high to me - particularly as the previous two years have shown a slight drop. I am on full no claims and the car (a Fabia 2.0i) is exactly two years old. I am with Norwich Union. How have your premiums changed this year?

what I would suggest is to shop around confused.com and money supermarket are both worth doing just to see what comes up. I saved over

I'm with Elephant and mine went down for the first time ever!

That said I still shopped around and got them to drop it by another £100. so for the first time my insurance is less than £500:woohoo:(£350 this year)

I check on Confused.com and moneysupermarket.com and get the cheapest quote you can then ring your insurers back and tell them. They'll want to keep you as a customer so they should at least match the price...

I'm sure they take the **** with renewals and make their money from people who just got be bothered to shop around...

I check on Confused.com and moneysupermarket.com and get the cheapest quote you can then ring your insurers back and tell them.

This is fine for standard categories of cover. I have fully comp any driver which, doesn't fit the mould and requires phoning around. Not many companies even offer this.

If you put it into the context that the motor insurance industry is facing increasing claims costs and that premiums are in general going up year on year, I think an increase in your renewal premium would be expected given that

a) you have full NCD anyway so are not getting any more discount than you were last year on what will be an increased base premium

you have the highest possible risk cover in place, which will attract a higher loading of premium than the safer, more specific risks which your insurer will be more interested in retaining.

That said, to say it's expected doesn't mean you can't get a better quote, it's always worth ringing around to see what you can get elsewhere.

I've never had a decrease but shopping around this year saved me £300 on my renewal.

If you put it into the context that the motor insurance industry is facing increasing claims costs and that premiums are in general going up year on year, I think an increase in your renewal premium would be expected given that

a) you have full NCD anyway so are not getting any more discount than you were last year on what will be an increased base premium

you have the highest possible risk cover in place, which will attract a higher loading of premium than the safer, more specific risks which your insurer will be more interested in retaining.

In a nutshell, it's everyone else's fault and I am paying for it! Anyway, I got them to knock off

My advice is use confused.com & moneysupermarket for quotes, my insurance through csma/frizzels, was quoted at £278 fully comp/ protected ncb, and yet I can get the same cover plus legal protection from the post office/Fortis for £188. as well as £50. cash back=£138! quite a saving for a better product. remember loyalty does not pay