A dont think the goverment should get involved in things like this- they have plenty of other pressing matters and theres no way to police it anyway. Are they overcharging you or undercharging new customers, probly a bit of both. We were probly ripped off for renewals even more in the days before comparisson sites and discounts for new customers when pepel usualy stayed with the same compny. Its an open market so we after shop around and use comparisson sites and take advantage of the best deals including discounts to new customers. You can even say your not renewing then go back to the same insurer as a new customer at a lower price