[QUOTE] Ben said: Most online quote systems quote over the odds compared to talking with a droid, who is able to manipulate data and check various underwriters etc.[/QUOTE] That's what I'd always though, but I rang a few last time round, and specifically H&R, who said the website price was the best they could do. I went with H&R because they were still the cheapest. [QUOTE] H and R actually upped my premium this time round [1], so I went with Aunty Carole who were cheaper and chucked in breakdown etc. Apparently AXA, who mine is with, are doing 'silly premiums' at the moment - have you tried Aunty C?[/QUOTE] Not yet because they've never even come close to what I've been able to get it for before. Maybe now I'm old and a responsible with good NCB they make think differently. Unlikely.