Okay so last year's premium was £78. I pay monthly. I got my renewal through the post and was quoted £142 - a big difference. So I phoned them up and asked if they could move on that quote. After some thinking the best offer they said they could come up with was £118. Still too much I figured if I was paying £78 before so I decline and decide to shop around. Funnily enough the best online quote I can get is about £142 so now I'm thinking £118 doesn't seem too bad. So I call them back up and the lady says £142 is the best we can do. I say that her colleague told me this morning that £118 was the best they can do?She goes away and after a bit she tells me she's sorry she can't do it for £118 but they can do it for £88! So we've gone from £78 to £142 to £88.Ultimately I got a pretty good deal (although I'm not sure my premiums should go up as my circumstances haven't changed - plus I'm 46 for goodness sake!). But it does make you wonder what the 'actual' cost of your insurance is when they can vary their offers so wildly. Would I use Bonnets again? Yes but be absolutely sure that what they're offering you is the best deal they can otherwise you may be paying more than you should...