Simply put- the huge price increase. My policy rose by around 20%. Inflation is running far lower than this, shop, fuel, cars, houses, clothing, house insurance aling with many other things are rising nowhere near 20%. So the explanation I recieved about insurance costs rising due to increased costs just doesnt add up: 20% increase is way over the inflation rate. My son has recently renewed his car insurance and found a deal matching his previous years cost. Dial Direct are not charging a fair amount. I wont renew next time unless I recieve a significant decrease or some form of refund.