I got my insurance renewal today from the that well known vehicle breakdown recovery company where they used to salute you if you were a member (but don't anymore), I've been with them for over 10 years and normally just let them crack on and sort out my renewal on the basis that I know I'm paying a bit over the odds but hey, my time isn't cheap so running around getting quotes would cost me a few quid anyway. This year I got a bit upset at their idea of a joke, my renewal is Â£789 after their supposed member discount of Â£320, I'm 43, married, 12 years no claims, no points and no convictions ever! This for a little 1.8l MR2. So, I have a go at one of those websites where the annoying guy sings whilst hovering over a BMW, the most expensive quote I got was Â£359! I finally settled on an insurance policy at Â£348 which includes breakdown and home start and every other benefit my current insurance has (I will therefore now be cancelling my breakdown cover with aforementioned company who think I'm some sort of cash cow) So, does anyone know what the score is here, is it simply that companies feel they can happily ripoff their loyal customer base or are all the other companies running some sort of loss leader to trap new customers? There is one hell of a disparity between what I was offered and what I can get by shopping around.