Hi Other Clive, I just find it frustrating that the same company can have so many different prices for what is basically the same cover, the Allianz policy offered more in that it inclued a courtesy car and a lower excess, The renewal from LLoyds at £788 was out of the question or maybe Lloyds are moving out of motor insurance and it was a considered decision to discourage customers from renewing either way it leaves me wondering what sort of world these companies move in, or is it that they are so big and have so many divisions, that one part in effect competes with the other, and no human being is aware of what is going on,or may be I am wrong and there are no humans involved, an dit is all AI