I'm with Admiral and have a D4 4.2tdi. Renewal quote last two years has been poor, both times I've phoned to cancel and both times they have improved on the best quote I've been able to find. This year quote went down from £600+ to £450. Best price I'd found was £515, which I told him at the outset and he said he'd beat it. No changes in Policy apart from another years no claims.....seems to be a game.
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