Had the email this morning with the renewal quote, I always dread it as 99% of the time it's gone up! But this year the renewal is £5 cheaper than last year! So I did the normal looking around and got a quote from LV, very surprised when it came back at £98 lower than my current insurance company @ £275 with protected no claims, guaranteed car hire, windscreen cover etc!!! The only thing I'm doing this year is taking out the legal expenses insurance separately with the RAC, as it's 50% of the price for the same cover! Be interesting to see if it's come down across the board for everyone (as long as claims etc haven't changed).