My insurance is not up for renewal yet, but I had an experience today which made me think ahead so that I will be ready. During my years I have on a few occasions been offered a 2nd renewal price once I have told my insurer or broker that I have found somewhere cheaper. I all cases I have declined the offer because I had gone to the effort already and probably actually paid the new insurer. Today I decided to cancel some water pipe insurance (the type that covers the pipe between the main and my house). I occasionally take it out if it is on offer. Then if the renewal is expensive I don't renew. That happened this year. When I called to cancel they offered a small discount which I declined. So then they offered a much bigger discount to nearly what I paid last year. I then decided to accept, but the experience felt strange to me - it is the first time that I had effectively actively negotiated an insurance premium. Now because I have a modified car, my premium is significant. And although modified car insurance is a limited market, based on what others have written I think I might be paying above the market rate. Now I had planned, when renewal is due, to phone around and try to find the cheapest and go with it, as I have done before. However I am wondering if this time I should also prepare to then start negotiating with the providers to see if I can get it any cheaper still. So that's my question. Whereas I remember car insurance being risk-based and so all providers would pretty much quote a similar price for a given risk, has it now changed into a "haggling" game? Are all insurers ready to "haggle" these days or just a few of them?