Absolute Cowboys. OK in year 1 because they low ball to get you in. But beware Year 2: they'll ramp it up. So, look at their first renewal and if it has been ramped up, phone them in plenty of time before the renewal date, and they'll offer you a reduction 'because of changes in the rates' about which they won't tell you otherwise. Don't leave it at that: having got their reductions, go to Direct Line and get them to quote based on the numbers you've got and from whom. I've just saved £700 on 4 cars that way. Customer loyalty has no part in their vocabulary. I've no doubt that I'll play the same game with Direct Line in a year or two and go back to Admiral or another similar automatic renewal insurer. This process gives car insurers a bad name, but they deserve it.