Re Direct Line, when I was with them I always call them and say I've called for the usual chat, how much can you drop it by this year? All very friendly (they probably think I'm a know though).
However every year it comes out not dissimilar to previous years sometimes a bit more, sometimes less. Always try it in preference to the comparison sites.
I only left when I got the MG5 and it wasn't on their list of covered cars as it was a new model at the time. Maybe back to them this year, as they've been good over a couple of claims I know about.
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