MrBadger
Badger out
The thing with direct line is they have wriggle room in their pricing. Every year they put the price up on renewal and every year I ask them what it will take to stop me from shopping around (I’ve already got an idea what others are offering) and every year they come back with a deal usually cheaper than the year before and better than I had seen elsewhere. Sometimes they want to play ‘adjust the excess’ but I tell them I’m after same as previous years terms so don’t entertain that and they usually come back with a deal I am happy to accept there and then on the phone.