I was pleasantly surprised to receive a lower quote for this year's renewal and, when I phoned in to renew, I was told that this is now company policy, to quote the lowest straight away to save all the haggling! Nice change! I was also pleased with the phone experience, friendly, not over-chatty, cheerful and efficient. The whole renewal experience took only about ten minutes. I was quite impressed with RIAS and pleased to renew with them for yet another year