Got a few more points this year and when I told my insurers after receiving their renewal price they wanted to bung my one up a bit.
Said I had gone on line and with all new points declared I had offers around their first offer, guess what, they could suddenly match, or almost match the price.
Ended up paying a couple of ??'s more, which I was happy with.
Never ever, accept what they say at the start, get some quotes and keep them at hand so you know the Company that will do it cheaper.