+1 Often energy companies do not have the best tariffs two or three years in a row so swapping on a regular basis can save paying a couple of hundred quid too much. Insurance companies are notorious for hiking up premiums for loyal custom and again it is likely that you can save up to 30% of a renewal quote amount by changing companies. Some insurance companies are now guaranteeing no price increase in a second year BUT only if you have the expensive policy, with many unnecessary extras, in the first place. The guarantee usually doesn't apply to their baseline policies.
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4 years ago