Car insurance

There was only £3 difference between this year's new insurance and last. There are only around 6 companies who would consider insuring me (I have never had an accident) so I decided to stay with my present one because I am aware that my driving days are numbered.

Always ask your current insurance provider what they can do for you when renewal comes round.We do, and usually get a discount ( far more than £8) often quite a lot.
The latest one refused to do anything, so I told them we would find another insurer, which we did at a much better price.

No and I wouldn't increase my excess either. That doesn't mean I'd just renew as I'd still look for a better deal but £20 isn't enough.

My renewal notice arrived last week. Excess on replacement windscreen was £50.

I contacted my old provider of two years ago for a quote and it was £49 cheaper plus the windscreen replacement has no excess.

One phone call is all it took.

I might not change for only £8 less. But I'd possibly ask them to better my quote by £20 and it's a deal.
I don't like on line insurance. If I have an accident I want to be able to go and sit across a desk and talk face to face with a real person.

I get infuriated that my dh does not ring round he just accepts the renewal.

Me neither

No

Have to tried upping your excess? That can work out quite a bit cheaper, but it’s a gamble if you have an accident.

I’ve never had to make a claim so I’m quids in.