Thanks for your review Scott. I can assure you that we treat all of our customers the same whether you are a new customer or one that has been with us for many years. We search the panel of insurer's that we have available and then offer you the best terms we have that match your demands and needs, we do not have access to every insurer on the UK market hence why we tell you to shop around as you may be able to get a better deal elsewhere, this also complies with regulations set by the Financial Conduct Authority. At renewal next year, we will again search our panel and offer you the best terms we have and are always happy to discuss the matter with you ,any questions please contact us, thanks