On another note.... When do you renew your insurance policy? I've had quotes in the past but left it till it's due to expire before getting new quotes and renewing, "Oh the quote is not higher sir" is the usual line. Well guess what, it's not just an unlucky rise! Insurers base the price on risk assessments. They found people that leave it to the last few days to renew are statistically more likely to make a claim as they are "risk takers". The best time too look for a renewal and act on it, is 21 days before yours is due to run out. After that time to price is highly likely to increase.