I had a really high quote from Saga, been with them for years, I looked at the last few years and it had been steadily going up, latest quote was for £600+ so I looked for quotes, got one about £300 ish. So rang Saga. After a bit of discussion he quoted about £300, I asked for it in writing, got his name and waited, when it came it was £600+ again. Phoned again and said I wasn't happy and would be taking quote up from other company, he said don't do that, I will phone you back in ten minutes, he did, started me off as a new customer with a fantastic price £142 giving me insurance for all the same values including legal. He said they have to increase year on year. So the trick is to ask to be treated as a new customer.