My car insurance renewal quote was about 12% more than last year. When I rang up to find out why the difference was so large, I was given a discount because I have more than one insurance policy with RIAS. The price reduction was very welcome, but why did I have to ask for it? Why couldn't the renewal letter have included the discount, and made it clear that I am saving money by having more than one policy with RIAS. I would the have thought far more of the service given by RIAS.