Thank you for taking the time to write this review. At the point of renewal, we look through our panel of insurers for a competitive renewal prices, which we send notification to you. If these are not competitive to you, you have until the renewal date to change your mind, or we look to match or discount the policy, which for this term has resulted in the £25.00, as you have described. If you require any further assistance do not hesitate to get in contact. We will offer your review as feed back to the relevant department, as we endeavour to provide excellent service to all our customers.